3965 Watson Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 3965 Watson Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,256 sqft · built 1870
Lot Size	2.44 acres (106,548 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Jun 2015)
Tax Bill	$5,393 (2026)
Deeds & Mortgages	Feb 2026 Transfer Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-011735`

Property Details

APN / Parcel Number

Primary APN	`02-011735`
Alternative APNs	`2011735` `011735`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,256 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Siding
Lot Area	106,548 sqft (2.44 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	1,106 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	011735
Street Address	3965 WATSON LN
City	UNION BRIDGE
State	MD
Zip	21791-9063
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 2.4460 ACS 3965 WATSON LANE UNION BRIDGE
Legal Subdivision	LINWOOD
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	1
Census Block	1034
Census Tract	502000

Owner

3965 Watson Ln is owned and occupied by two individuals who acquired it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3965 WATSON LN, UNION BRIDGE, MD 21791-9063
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 9, 2026	Intrafamily Transfer, Transfer
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2015 · Amount on File
Deed Sale	Jun 24, 2015 · Amount on File
Prior Sale	Dec 27, 2013 · Amount on File
Deed Book / Page	8014 / 205
Last Transfer Date	Jan 20, 2026
Transfer Doc	0116810279
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Feb 9, 2026
Property Address	3965 WATSON LN, UNION BRIDGE, MD 21791-9063
Document Number	0116810279
Book / Page	11681 / 279
Instrument Date	Jan 20, 2026
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3965 WATSON LN, UNION BRIDGE, MD 21791-9063

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3965 WATSON LN, UNION BRIDGE, MD 21791-9063
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101070484
Date	Feb 17, 2021
Book Page	10107/484

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	238 Months
Due	Dec 1, 2040

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3965 WATSON LN, UNION BRIDGE, MD 21791-9063
Document Number	0095490402
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3965 WATSON LN UNION BRIDGE MD 217919063, UNION BRIDGE, MD 21791-9063

Mortgage

Document Number	0095490402
Date	Jan 27, 2020
Book Page	009549/000402

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 26, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 3965 Watson Ln was $5,393, up 7.5% 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	$5,393.00 (+7.54%)	$476,200 (+7.62%) Land $139,400 Building $336,800	$476,200 (-) Land $139,400 Building $336,800
2025	$5,015.00	$442,467	$476,200 Land $139,400 Building $336,800
2023	$4,237.00	$375,000 Land $139,400 Building $235,600	$375,000 Land $139,400 Building $235,600

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

Flood

FEMA maps place 3965 Watson Ln in Zone X, an area of minimal flood risk, within 500 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 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

Wildfire risk around 3965 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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