Garrett County property record for 473 Spear Rd, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,920 sqft · built 1977 |
| Lot Size | 4.12 acres (179,467 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,764 (2026) |
| Deeds & Mortgages | Aug 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-009227 |
| Primary APN | 05-009227 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,920 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 179,467 sqft (4.12 acres) |
| Porch | Porch |
| Porch Area | 80 sqft |
| Deck Area | 80 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 009227 |
|---|---|
| Street Address | 473 SPEAR RD |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4.12 AC W/S SPEAR RD FLATWOODS |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2083 |
| Census Tract | 100 |
473 Spear Rd is owned and occupied by two individuals.
Source: Garrett County records, as of July 27, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 473 SPEAR RD, ACCIDENT, MD 21520-1023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Aug 7, 2017 |
| Property Address | 473 SPEAR RD, ACCIDENT, MD 21520-1023 |
| Document Number | 0020210205 |
| Book / Page | 002021 / 000205 |
| Instrument Date | Aug 7, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 473 SPEAR RD ACCIDENT MD 215201023, ACCIDENT, MD 21520-1023 |
The 2026 property tax bill for 473 Spear Rd was $1,764 with a homeowner's exemption.
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 | $1,764.00 Homeowner's exemption | $184,100 Land $40,200 Building $143,900 | $184,100 Land $40,200 Building $143,900 |
| 2023 | $1,679.00 Homeowner's exemption | $141,200 Land $32,700 Building $108,500 | $141,200 Land $32,700 Building $108,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 473 Spear Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 |
|---|---|
| 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 473 Spear Rd 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: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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