3820 Watson Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 3820 Watson Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,816 sqft · built 1884
Lot Size	3.47 acres (151,502 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Aug 2019)
Tax Bill	$5,924 (2026)
Deeds & Mortgages	Mar 2024 Second Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`02-002620`

Property Details

APN / Parcel Number

Primary APN	`02-002620`
Alternative APNs	`2002620` `002620`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,816 sqft Total Area

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	151,502 sqft (3.47 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	108 sqft
Deck Area	312 sqft
Patio Area	24 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	002620
Street Address	3820 WATSON LN
City	UNION BRIDGE
State	MD
Zip	21791-9056
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 3.4778 ACS 3820 WATSON LN UNION BRIDGE
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 October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3820 WATSON LN, UNION BRIDGE, MD 21791-9056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Aug 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOWER FCU
Oct 20, 2021	Deed of Trust, Mortgage · FHA Mortgage SPECIALIZED LOAN SERVICES LLC
Aug 29, 2019	Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2019 · Amount on Record
Deed Sale	Aug 29, 2019 · Amount on Record
Prior Sale	Aug 12, 2015 · Amount on Record
Deed Book / Page	9392 / 200
Transfer Doc	0045070223
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3820 WATSON LN, UNION BRIDGE, MD 21791-9056
Transaction Type	Mortgage
Record Updated	Apr 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0112130373
Date	Mar 26, 2024
Book Page	11213/373

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	176 Months
Due	Nov 9, 2038

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3820 WATSON LN, UNION BRIDGE, MD 21791-9056
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	TOWER TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108620389
Date	Aug 24, 2022
Book Page	10862/389

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3820 WATSON LN, UNION BRIDGE, MD 21791-9056
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3820 WATSON LN, UNION BRIDGE, MD 21791-9056

Mortgage

Document Number	0105120126
Date	Oct 20, 2021
Book Page	10512/126

Lender

Name	SPECIALIZED LOAN SERVICES LLC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Aug 1, 2049

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 29, 2019
Property Address	3820 WATSON LN, UNION BRIDGE, MD 21791-9056
Document Number	0093920200
Book / Page	9392 / 0200
Instrument Date	Jul 30, 2019
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	GPN TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3820 WATSON LN, UNION BRIDGE, MD 21791-9056

Mortgage

Document Number	0093920207
Date	Aug 29, 2019
Book Page	9392/0207

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

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	$5,924.00 (+10.56%)	$523,700 (+10.69%) Land $147,300 Building $376,400	$523,700 (-) Land $147,300 Building $376,400
2025	$5,358.00 (+27.48%)	$473,133 (+27.19%)	$523,700 (+40.78%) Land $147,300 Building $376,400
2023	$4,203.00 (+3.17%)	$372,000 (+3.16%) Land $147,300 Building $224,700	$372,000 (-) Land $147,300 Building $224,700
2022	$4,074.00	$360,600	$372,000 Land $147,300 Building $224,700

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Direct burnable vegetation

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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000

May also be available: Quantum Internet & Telephone.

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