3860 Watson Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 3860 Watson Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,652 sqft · built 2003
Lot Size	1.64 acres (71,438 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,900 (Aug 2004)
Tax Bill	$4,760 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-021927`

Property Details

APN / Parcel Number

Primary APN	`02-021927`
Alternative APN	`021927`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,652 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	71,438 sqft (1.64 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	021927
Street Address	3860 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	OC#2 -1.64 ACS 3860 WATSON LN E/S OF WATSON LN
Legal Lot Number	OC 2
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	3860 WATSON LN, UNION BRIDGE, MD 21791-9056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 29, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2004 · Amount on Record
Deed Sale	Aug 27, 2004 · Amount on Record
Prior Sale	Aug 13, 2003 · Amount on Record
Deed Document Number	200440853
Deed Book / Page	4119 / 692
Transfer Doc	0000023314
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3860 WATSON LN, UNION BRIDGE, MD 21791-9056
Transaction Type	Mortgage
Record Updated	Jan 9, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3860 WATSON LN, UNION BRIDGE, MD 21791-9056

Mortgage

Document Number	0109490107
Date	Dec 14, 2022
Book Page	10949/107

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3860 WATSON LN, UNION BRIDGE, MD 21791-9056
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101100048
Date	Feb 19, 2021
Book Page	10110/48

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3860 WATSON LN, UNION BRIDGE, MD 21791-9056
Document Number	0094830112
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3860 WATSON LN UNION BRIDGE MD 217919056, UNION BRIDGE, MD 21791-9056

Mortgage

Document Number	0094830112
Date	Nov 19, 2019
Book Page	009483/000112

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable 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	$4,760.00 (+5.47%) Homeowner's exemption	$496,000 (+38.86%) Land $131,400 Building $364,600	$496,000 (+38.86%) Land $131,400 Building $364,600
2025	$4,513.00 (+11.82%) Homeowner's exemption
2023	$4,036.00 Homeowner's exemption	$357,200 Land $131,400 Building $225,800	$357,200 Land $131,400 Building $225,800

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
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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