Garrett County property record for 4232 Bear Creek Rd, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,344 sqft · built 1988 |
| Lot Size | 2.64 acres (114,998 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $392,500 (May 2021) |
| Tax Bill | $4,226 (2026) |
| Deeds & Mortgages | May 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 05-012899 |
| Primary APN | 05-012899 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,344 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 114,998 sqft (2.64 acres) |
| Garage Type | Mixed |
| Garage Area | 2,304 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 648 sqft |
| Porch | Slab |
| Porch Area | 32 sqft |
| Deck Area | 360 sqft |
| Patio Area | 32 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 012899 |
|---|---|
| Street Address | 4232 BEAR CREEK RD |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-2222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.64 AC S/S BEAR CREEK RD BEARCREEK |
| Legal Subdivision | BEAR CREEK |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 100 |
Source: Garrett County records, as of July 27, 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 | 4232 BEAR CREEK RD, ACCIDENT, MD 21520-2222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2021 · Amount on Record |
| Deed Sale | May 21, 2021 · Amount on Record |
| Prior Sale | Jan 6, 2003 · Amount on Record |
| Deed Book / Page | 2315 / 200 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | May 21, 2021 |
| Property Address | 4232 BEAR CREEK RD, ACCIDENT, MD 21520-2222 |
| Document Number | 0023150200 |
| Book / Page | 2315 / 200 |
| Instrument Date | May 20, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | DEEP CRK TITLE GROUP LLC, DEEP CREEK TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| 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 by the Entirety |
| Address | 4232 BEAR CREEK RD, ACCIDENT, MD 21520-2222 |
| Document Number | 0002315204 |
|---|---|
| Date | May 21, 2021 |
| Instrument | 2315/204 |
| Name | CLEAR MOUNTAIN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
Source: Garrett County assessment roll, as of July 27, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Garrett County |
| Unified School District | Garrett County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,226.00 (+41.34%) | $377,400 (+48.88%) Land $34,400 Building $343,000 | $377,400 (+48.88%) Land $34,400 Building $343,000 |
| 2023 | $2,990.00 | $253,500 Land $25,900 Building $227,600 | $253,500 Land $25,900 Building $227,600 |
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 February 1, 2019 · 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 |
| 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| QCOL Fiber | 10,000 / 10,000 |
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
4G LTE (outdoors only), no 5G reported
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