3704 Watson Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 3704 Watson Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,044 sqft · built 1885
Lot Size	0.681 acres (29,675 sqft)
Owner	Company Name on Record
Last Sale	$55,000 (Dec 2018)
Tax Bill	$1,810 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-009420`

Property Details

APN / Parcel Number

Primary APN	`02-009420`
Alternative APNs	`2009420` `009420`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,044 sqft Total Area

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Construction Type	Frame
Roof Material	Metal
Lot Area	29,675 sqft (0.681 acres)
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	009420
Street Address	3704 WATSON LN
City	UNION BRIDGE
State	MD
Zip	21791-9055
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 29675 SF 3704 WATSON LN NR N/S MD RTE 75
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	1
Census Block	1019
Census Tract	502000

Owner

Source: Carroll County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	412 GRANT PL, FREDERICK, MD 21702-4140
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 3, 2019	Deed of Trust, Mortgage · Commercial Mortgage WOODSBORO BANK
Dec 17, 2018	Grant Deed, Transfer DAVID A TRADER LIVING TR (LT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Nov 10, 2016 · Amount on Record
Deed Book / Page	9188 / 73
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3704 WATSON LN, UNION BRIDGE, MD 21791-9055
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116130277
Date	Nov 12, 2025
Book Page	11613/277

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3704 WATSON LN, UNION BRIDGE, MD 21791-9055
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0092810101
Date	May 3, 2019
Book Page	9281/0101

Lender

Name	WOODSBORO BANK
Type	Bank
Address	WOODSBORO, MD 21798

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 17, 2018
Property Address	3704 WATSON LN, UNION BRIDGE, MD 21791-9055
Document Number	0091880073
Book / Page	009188 / 000073
Instrument Date	Dec 7, 2018
Transaction Type	Transfer
Record Updated	Jan 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	412 GRANT PL FREDERICK MD 217024140, FREDERICK, MD 21702-4140

Mortgage

Document Number	91880078
Date	Dec 17, 2018
Book Page	009188/000078

Lender

Name	DAVID A TRADER LIVING TR (LT)
Address	1307 WINDLEAF DR # 5, RESTON, VA 20194-2054

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,300 (+17.11%) Land $99,400 Building $64,900	$164,300 (+17.11%) Land $99,400 Building $64,900
2025	$1,810.00 (+14.2%)
2023	$1,585.00 (+0.7%)	$140,300 (+0.72%) Land $99,400 Building $40,900	$140,300 (-) Land $99,400 Building $40,900
2022	$1,574.00	$139,300	$140,300 Land $99,400 Building $40,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jul 2018 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone, Xfinity.

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