Garrett County property record for 516 Spear Rd, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,988 sqft · built 2010 |
| Lot Size | 5.51 acres (240,016 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Feb 2008) |
| Tax Bill | $3,371 (2026) |
| Deeds & Mortgages | May 2023 Mortgage May 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-020786 |
| Primary APN | 05-020786 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,988 sqft Total Area |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 240,016 sqft (5.51 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 576 sqft |
| Heating Fuel | Electric |
|---|
| Account Number | 020786 |
|---|---|
| Street Address | 516 SPEAR RD |
| City | ACCIDENT |
| State | MD |
| Zip | 21520-1022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5.51 AC LOT 1 SPEAR SUB |
| Legal Subdivision | SPEAR SUB |
| Legal Lot Number | 1 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 516 SPEAR RD, ACCIDENT, MD 21520-1022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2023 | Deed of Trust, Mortgage · Unknown FIRST UNITED BANK & TRUST |
| May 10, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2008 · Amount on Record |
| Deed Sale | Feb 22, 2008 · Amount on Record |
| Deed Document Number | 200880226 |
| Deed Book / Page | 1356 / 94 |
| Last Transfer Date | Apr 26, 2018 |
| Transfer Doc | 0020710342 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 516 SPEAR RD, ACCIDENT, MD 21520-1022 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 516 SPEAR RD, ACCIDENT, MD 21520-1022 |
| Document Number | 0024920120 |
|---|---|
| Date | May 31, 2023 |
| Book Page | 2492/120 |
| Name | FIRST UNITED BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MC HENRY, MD 21541 |
| Type | Unknown |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | May 10, 2018 |
| Property Address | 516 SPEAR RD, ACCIDENT, MD 21520-1022 |
| Document Number | 0020710342 |
| Book / Page | 002071 / 000342 |
| Instrument Date | Apr 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 516 SPEAR RD ACCIDENT MD 215201022, ACCIDENT, MD 21520-1022 |
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 | $3,371.00 (+0.87%) Homeowner's exemption | $350,500 (+8.01%) Land $44,000 Building $306,500 | $350,500 (-) Land $44,000 Building $306,500 |
| 2025 | $3,342.00 (+4.05%) Homeowner's exemption | $324,500 (+19.08%) | $350,500 (+28.62%) Land $44,000 Building $306,500 |
| 2023 | $3,212.00 Homeowner's exemption | $272,500 Land $44,000 Building $228,500 | $272,500 Land $44,000 Building $228,500 |
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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