Garrett County property record for 782 Valley Ridge Rd, Accident, MD 21520
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 768 sqft · built 1995 |
| Lot Size | 8 acres (348,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Nov 2019) |
| Tax Bill | $1,738 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-015790 |
| Primary APN | 05-015790 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 768 sqft Total Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 348,480 sqft (8 acres) |
| Porch | Slab |
| Porch Area | 120 sqft |
| Deck Area | 360 sqft |
| Heating System | Space Heater |
|---|---|
| Sewer | Connected |
| Account Number | 015790 |
|---|---|
| Street Address | 782 VALLEY RIDGE RD |
| City | ACCIDENT |
| State | MD |
| Zip | 21520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 8.00 AC LOT 17 SECT II BEAR CREEK FOREST SUB |
| Legal Subdivision | BEAR CREEK FOREST SUB |
| Legal Lot Number | 17 |
| Jurisdiction | GARRETT MD |
| Township / Civil Division | 5, ACCIDENT |
| Census Block Group | 2 |
| Census Block | 2039 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 14518 WOODCREST DR, ROCKVILLE, MD 20853-2370 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Nov 27, 2019 | Deed, Transfer · Conventional Mortgage SUNTRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2019 · Amount on Record |
| Deed Sale | Nov 27, 2019 · Amount on Record |
| Prior Sale | Nov 1, 2011 · Amount on Record |
| Deed Book / Page | 2172 / 61 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRETT MD |
| Property Address | 782 VALLEY RIDGE RD, ACCIDENT, MD 21520 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0023230221 |
|---|---|
| Date | Jun 17, 2021 |
| Book Page | 2323/221 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRETT MD |
| Recording Date | Nov 27, 2019 |
| Property Address | 782 VALLEY RIDGE RD, ACCIDENT, MD 21520 |
| Document Number | 0021720061 |
| Book / Page | 2172 / 0061 |
| Map Reference | MB 3 PG 121 |
| Instrument Date | Nov 20, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| 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 |
|---|---|
| Address | 14518 WOODCREST DR, 14518, ROCKVILLE, MD 20853-2370 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 782 VALLEY RIDGE RD, ACCIDENT, MD 21520 |
| Document Number | 0000217264 |
|---|---|
| Date | Nov 27, 2019 |
| Instrument | 2172/64 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
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 | $1,738.00 (+18.15%) | $153,600 (+24.47%) Land $42,500 Building $111,100 | $153,600 (+24.47%) Land $42,500 Building $111,100 |
| 2023 | $1,471.00 | $123,400 Land $40,500 Building $82,900 | $123,400 Land $40,500 Building $82,900 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 66% of the US · above 70% of Maryland |
|---|---|
| Wildfire Likelihood | 0.04% 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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| QCOL Fiber | 10,000 / 10,000 |
4G LTE (outdoors only), no 5G reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures