Carroll County property record for 4190 Watson Ln, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,080 sqft · built 1880 |
| Lot Size | 0.631 acres (27,486 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $52,500 (Jun 1988) |
| Tax Bill | $2,258 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 12-000642 |
| Primary APN | 12-000642 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,080 sqft Total Area |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 27,486 sqft (0.631 acres) |
| Garage Type | Detached |
| Garage Area | 896 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 436 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 000642 |
|---|---|
| Street Address | 4190 WATSON LN |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT- 0.631 AC N/S WATSON LANE LINWOOD |
| Legal Subdivision | LINWOOD |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 512000 |
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 | 4190 WATSON LN, UNION BRIDGE, MD 21791-9059 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 1988 · Amount on Record |
| Deed Sale | Jun 29, 1988 · Amount on Record |
| Deed Book / Page | 1092 / 80 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 4190 WATSON LN, UNION BRIDGE, MD 21791-9059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MARYLAND TITLE CENTER LLC |
| Name | Verified Name |
|---|
| Document Number | 0089600463 |
|---|---|
| Date | Mar 12, 2018 |
| Book Page | 8960/0463 |
| Name | NEW WINDSOR STATE BANK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2033 |
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 | $2,258.00 (+4.01%) Homeowner's exemption | $196,300 (+13.53%) Land $95,300 Building $101,000 | $196,300 (+13.53%) Land $95,300 Building $101,000 |
| 2025 | $2,171.00 (+11.16%) Homeowner's exemption | ||
| 2023 | $1,953.00 Homeowner's exemption | $172,900 Land $95,300 Building $77,600 | $172,900 Land $95,300 Building $77,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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.
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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: Antietam Cable, Quantum Internet & Telephone.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures