3858 Watson Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 3858 Watson Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,372 sqft · built 2003
Lot Size	1.93 acres (84,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Dec 2021)
Tax Bill	$4,866 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-021935`

Property Details

APN / Parcel Number

Primary APN	`02-021935`
Alternative APN	`021935`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,372 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	84,463 sqft (1.93 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	021935
Street Address	3858 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	OFF CONVEY#1 - 1.939 3858 WATSON LN UNION BRIDGE
Legal Subdivision	STULTZ BETTYE W
Legal Lot Number	OC 1
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	3858 WATSON LN, UNION BRIDGE, MD 21791-9056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · VA Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Dec 7, 2021	Deed, Transfer CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2021 · Amount on Record
Deed Sale	Dec 7, 2021 · Amount on Record
Prior Sale	Jul 23, 2015 · Amount on Record
Deed Book / Page	10588 / 337
Transfer Doc	0000022315
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3858 WATSON LN, UNION BRIDGE, MD 21791-9056
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099560215
Date	Nov 19, 2020
Book Page	9956/215

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jul 1, 2050

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 7, 2021
Property Address	3858 WATSON LN, UNION BRIDGE, MD 21791-9056
Document Number	0105880337
Book / Page	10588 / 337
Instrument Date	Nov 29, 2021
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Transaction

Amount	Amount Recorded
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	2531 KAYS MILL RD, FINKSBURG, MD 21048

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	$4,866.00 (+5.46%) Homeowner's exemption	$534,500 (+11.8%) Land $134,300 Building $400,200	$534,500 (-) Land $134,300 Building $400,200
2025	$4,614.00 (+11.8%) Homeowner's exemption	$478,100 (+30.88%)	$534,500 (+46.32%) Land $134,300 Building $400,200
2023	$4,127.00	$365,300 Land $134,300 Building $231,000	$365,300 Land $134,300 Building $231,000

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.

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