Carroll County property record for 3990 Watson Ln, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,138 sqft · built 1953 |
| Lot Size | 0.511 acres (22,263 sqft) |
| Owner | Individual Name on File |
| Last Sale | $329,900 (Sep 2020) |
| Tax Bill | $4,711 (2026) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-003783 |
| Primary APN | 02-003783 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,138 sqft Total Area |
| Basement Area | 272 sqft |
| Finished Basement | 272 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,263 sqft (0.511 acres) |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 82 sqft |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 003783 |
|---|---|
| Street Address | 3990 WATSON LN |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT -22263 SF 3990 WATSON LN W/S PIPE CREEK RD |
| Legal Subdivision | PIPE CREEK |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 2, UNIONTOWN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 502000 |
3990 Watson Ln is owned and occupied by an individual who bought it in September 2020.
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3990 WATSON LN, UNION BRIDGE, MD 21791-9057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2020 | Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC |
| Mar 21, 2020 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2020 · Amount on File |
| Deed Sale | Sep 15, 2020 · Amount on File |
| Prior Sale | Jul 30, 2007 · Amount on File |
| Deed Book / Page | 9848 / 236 |
| Transfer Doc | 0046190189 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 15, 2020 |
| Property Address | 3990 WATSON LN, UNION BRIDGE, MD 21791-9057 |
| Document Number | 0098480236 |
| Book / Page | 9848 / 236 |
| Map Reference | MB 7747 PG 490 |
| Instrument Date | Sep 11, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ASSURANCE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Document Number | 0009848244 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 9848/244 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3990 WATSON LN, UNION BRIDGE, MD 21791-9057 |
| Document Number | 0096150450 |
| Instrument Date | Mar 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | TITLE365 - OMAHA |
| Name | Verified Name |
|---|---|
| Address | 3990 WATSON LN UNION BRIDGE MD 217919057, UNION BRIDGE, MD 21791-9057 |
| Document Number | 0096150450 |
|---|---|
| Date | Mar 31, 2020 |
| Book Page | 009615/000450 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 30, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 3990 Watson Ln was $4,711, up 8.1% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,711.00 (+8.1%) | $415,300 (+8.2%) Land $85,700 Building $329,600 | $415,300 (-) Land $85,700 Building $329,600 |
| 2025 | $4,358.00 | $383,833 | $415,300 Land $85,700 Building $329,600 |
| 2023 | $3,626.00 | $320,900 Land $85,700 Building $235,200 | $320,900 Land $85,700 Building $235,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3990 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 risk around 3990 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber | 5,000 / 5,000 |
| Quantum Internet & Telephone Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
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