Garrett County property record for 486 Spear Rd, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,554 sqft · built 2014 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,388 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-005175 |
| Primary APN | 05-005175 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,554 sqft Total Area |
| Basement Area | 880 sqft |
| Finished Basement | 880 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Type | Detached |
| Garage Area | 1,400 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 44 sqft |
| Deck Area | 604 sqft |
| Shed | 1 Shed |
| Shed Area | 384 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 005175 |
|---|---|
| Street Address | 486 SPEAR RD |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.69 AC E/S SPEAR RD FLATWOODS |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2081 |
| 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 | 486 SPEAR RD, ACCIDENT, MD 21520-1023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
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 | $4,388.00 (+5.25%) Homeowner's exemption | $467,600 (+31.94%) Land $26,500 Building $441,100 | $467,600 (+31.94%) Land $26,500 Building $441,100 |
| 2023 | $4,169.00 Homeowner's exemption | $354,400 Land $21,200 Building $333,200 | $354,400 Land $21,200 Building $333,200 |
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 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.
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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