Carroll County property record for 10 Whyte St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,650 sqft · built 1860 |
| Lot Size | 0.234 acres (10,209 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $276,000 (Oct 2025) |
| Tax Bill | $3,473 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Oct 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-004869 |
| Primary APN | 12-004869 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,650 sqft Total Area |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 10,209 sqft (0.234 acres) |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 390 sqft |
| Shed | 1 Shed |
| Shed Area | 504 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 004869 |
|---|---|
| Street Address | 10 WHYTE ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-600 |
| Legal Description | LT - 10209 SF 10 WHYTE ST UNION BRIDGE |
| Legal Subdivision | UNION BRIDGE |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 512000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Union Bridge Historic District listed 1994 · 251 contributing resources · NRIS 94000820 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10 WHYTE ST, UNION BRIDGE, MD 21791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage SANDY SPRING BANK |
| Oct 31, 2025 | Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Aug 10, 2022 | Intrafamily Transfer, Transfer NOT AVAILABLE, CSMB LLC DBA EASTERN TTL & S |
| Jun 29, 2018 | Grant Deed, Transfer COLONY TITLE GROUP LIMITED |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2025 · Amount on Record |
| Deed Sale | Oct 31, 2025 · Amount on Record |
| Prior Sale | Jun 29, 2018 · Amount on Record |
| Deed Book / Page | 11604 / 249 |
| Prior Transfer Date | Jul 26, 2022 |
| Prior Transfer Doc | 0108510101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 10 WHYTE ST, UNION BRIDGE, MD 21791 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | CSMB LLC DBA EASTERN TTL & S |
| Name | Verified Name |
|---|---|
| Address | 10 WHYLE STREET, UNION BRIDGE, MD 21791 |
| Document Number | 0108840271 |
|---|---|
| Date | Sep 14, 2022 |
| Book Page | 10884/271 |
| Name | SANDY SPRING BANK |
|---|---|
| Type | Bank |
| Address | FAULKNER, MD 20632 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Oct 31, 2025 |
| Property Address | 10 WHYTE ST, UNION BRIDGE, MD 21791 |
| Document Number | 0116040249 |
| Book / Page | 11604 / 249 |
| Instrument Date | Oct 24, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | RESIDENTIAL TITLE AND ESCROW INC, RESULTS TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $690.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 10 WHYTE ST, UNION BRIDGE, MD 21791 |
| Document Number | 0011604256 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 11604/256 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 10, 2022 |
| Property Address | 10 WHYTE ST, UNION BRIDGE, MD 21791 |
| Document Number | 0108510101 |
| Book / Page | 10851 / 101 |
| Instrument Date | Jul 26, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2022 |
| Title Company | NOT AVAILABLE, CSMB LLC DBA EASTERN TTL & S |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 29, 2018 |
| Property Address | 10 WHYTE ST, UNION BRIDGE, MD 21791 |
| Document Number | 0090570445 |
| Book / Page | 009057 / 000445 |
| Instrument Date | Jun 8, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2018 |
| Title Company | COLONY TITLE GROUP LIMITED |
| Amount | Amount Recorded |
|---|---|
| Tax | $185.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 WHYTE ST UNION BRIDGE MD 21791, UNION BRIDGE, MD 21791 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Union Bridge Town |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,473.00 (+7.89%) | $236,300 (+7.9%) Land $73,200 Building $163,100 | $236,300 (-) Land $73,200 Building $163,100 |
| 2025 | $3,219.00 (+17.96%) | $219,000 (+18.76%) | $236,300 (+28.15%) Land $73,200 Building $163,100 |
| 2023 | $2,729.00 | $184,400 Land $73,200 Building $111,200 | $184,400 Land $73,200 Building $111,200 |
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 March 11, 2016 · 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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 | 0.01% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF UNION BRIDGE serves 997 people · EPA ID MD0060013 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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