Garrett County property record for 412 Fratz St, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,232 sqft · built 1981 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Aug 1987) |
| Tax Bill | $1,737 (2023) |
| Deeds & Mortgages | Apr 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-000599 |
| Primary APN | 05-000599 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Total Area |
| 1st Floor Area | 1,232 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Deck Area | 544 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 000599 |
|---|---|
| Old Parcel Number | 5000599 |
| Street Address | 412 FRATZ ST |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-2062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | 0.38 AC E/S S MAIN ST ACCIDENT |
| Legal Subdivision | FRATZ |
| Legal Lot Number | 11 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2055 |
| Census Tract | 100 |
412 Fratz St is owned by an individual who bought it in August 1987.
Source: Garrett County records, as of September 20, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 153, ACCIDENT, MD 21520-0153 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 1987 · Amount on File |
| Deed Sale | Aug 21, 1987 · Amount on File |
| Deed Document Number | 877805 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 412 FRATZ ST, ACCIDENT, MD 21520-2062 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021990056 |
|---|---|
| Date | Apr 17, 2020 |
| Book Page | 2199/56 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Garrett County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| Municipality | Accident Town |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $1,737.00 | $105,000 Land $17,200 Building $87,800 | $105,000 Land $17,200 Building $87,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 Fratz St 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 February 1, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (1996) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
| Claims by Event |
|
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 412 Fratz St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF ACCIDENT serves 300 people · EPA ID MD0110001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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