3877 Watson Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 3877 Watson Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,904 sqft · built 2004
Lot Size	7.65 acres (333,234 sqft)
Owner	2 Individual Names on File
Last Sale	$42,500 (Aug 2002)
Tax Bill	$6,361 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2026 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`02-015129`

Property Details

APN / Parcel Number

Primary APN	`02-015129`
Alternative APNs	`2015129` `015129`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,904 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	333,234 sqft (7.65 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	52 sqft
Patio Area	515 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	015129
Street Address	3877 WATSON LN
City	UNION BRIDGE
State	MD
Zip	21791-9062
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 7.65 ACS 3877 WATSON LN N/S OF MD RT 75
Legal Subdivision	LINWOOD
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	1
Census Block	1034
Census Tract	502000

Owner

3877 Watson Ln is owned and occupied by two individuals who bought it in August 2002.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3877 WATSON LN, UNION BRIDGE, MD 21791-9062
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Mar 2, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage US MORTGAGELINE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2002 · Amount on File
Deed Sale	Aug 26, 2002 · Amount on File
Prior Sale	Apr 23, 2001 · Amount on File
Deed Document Number	2002893
Deed Book / Page	3009 / 750
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3877 WATSON LN, UNION BRIDGE, MD 21791-9062
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116990023
Date	Mar 2, 2026
Book Page	11699/23

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 10, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3877 WATSON LN, UNION BRIDGE, MD 21791-9062
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116990023
Date	Mar 2, 2026
Book Page	11699/23

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 10, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3877 WATSON LN, UNION BRIDGE, MD 21791-9062
Document Number	0099620097
Instrument Date	Oct 21, 2020
Transaction Type	Mortgage
Record Updated	Dec 3, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3877 WATSON LN UNION BRIDGE MD 217919062, UNION BRIDGE, MD 21791-9062

Mortgage

Document Number	0099620097
Date	Nov 23, 2020
Book Page	009962/000097

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 22, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3877 WATSON LN, UNION BRIDGE, MD 21791-9062
Document Number	0091490172
Instrument Date	Oct 17, 2018
Transaction Type	Mortgage
Record Updated	Nov 2, 2018
Title Company	SOHO ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3877 WATSON LN UNION BRIDGE MD 217919062, UNION BRIDGE, MD 21791-9062

Mortgage

Document Number	0091490172
Date	Oct 23, 2018
Book Page	009149/000172

Lender

Name	US MORTGAGELINE
Type	Mortgage Company
Address	BALA CYNWYD, PA 19004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 3877 Watson Ln was $6,361 with a homeowner's exemption, up 5.1% from the year before.

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	$6,361.00 (+5.05%) Homeowner's exemption	$698,800 (+11.34%) Land $168,200 Building $530,600	$698,800 (-) Land $168,200 Building $530,600
2025	$6,055.00 Homeowner's exemption	$627,633	$698,800 Land $168,200 Building $530,600
2023	$5,483.00	$485,300 Land $168,200 Building $317,100	$485,300 Land $168,200 Building $317,100

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

Flood

FEMA maps place 3877 Watson Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

Wildfire risk around 3877 Watson Ln is low, with a 0.01% annual chance of 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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