3840 Watson Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 3840 Watson Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,957 sqft · built 1880
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$236,000 (Aug 2005)
Tax Bill	$2,688 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-000571`

Property Details

APN / Parcel Number

Primary APN	`02-000571`
Alternative APNs	`2000571` `000571`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,957 sqft Total Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Siding
Lot Area	47,916 sqft (1.1 acres)

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	144 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	000571
Street Address	3840 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 - 1.10 AC 3840 WATSON LN LINWOOD
Legal Subdivision	LINWOOD
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	3840 WATSON LN, UNION BRIDGE, MD 21791-9056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage MIDFIRST BANK
Oct 5, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 16, 2017	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2005 · Amount on Record
Deed Sale	Aug 17, 2005 · Amount on Record
Prior Sale	Dec 22, 1982 · Amount on Record
Deed Document Number	200550589
Deed Book / Page	4548 / 1
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3840 WATSON LN, UNION BRIDGE, MD 21791-9056
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 WATSON LN, UNION BRIDGE, MD 21791-9056

Mortgage

Document Number	0117170365
Date	Mar 24, 2026
Book Page	11717/365

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	251 Months
Due	Feb 1, 2047

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3840 WATSON LN, UNION BRIDGE, MD 21791-9056
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 WATSON LN, UNION BRIDGE, MD 21791-9056

Mortgage

Document Number	0111250264
Date	Oct 5, 2023
Book Page	11125/264

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	280 Months
Due	Feb 1, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARROLL MD
Property Address	3840 WATSON LN, UNION BRIDGE, MD 21791-9056
Document Number	0086720309
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 WATSON LN UNION BRIDGE MD 217919056, UNION BRIDGE, MD 21791-9056

Mortgage

Document Number	0086720309
Date	Apr 28, 2017
Book Page	008672/000309

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2047

Interest

Rate Type	Fixed Rate

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	$2,688.00 (+3.94%)	$234,700 (+4.03%) Land $126,000 Building $108,700	$234,700 (-) Land $126,000 Building $108,700
2025	$2,586.00 (+10.37%)	$225,600 (+8.78%)	$234,700 (+13.16%) Land $126,000 Building $108,700
2023	$2,343.00	$207,400 Land $126,000 Building $81,400	$207,400 Land $126,000 Building $81,400

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 500 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	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.

Nearby Properties on Watson Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures