103 E Locust St, Union Bridge, MD 21791 Property Records

Carroll County property record for 103 E Locust St, Union Bridge, MD 21791 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1880
Square Footage	1,200 sqft Total Area
Lot Size	4,356 sqft (0.1 acres)
Occupancy	Owner Occupied
Last Sale	$94,500 (2018)
Tax Bill	$1,599.00 (2025)

Owner

Source: Carroll County records · APN 12-004575

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	103 E LOCUST ST, UNION BRIDGE, MD 21791-9137
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 08, 2018 · Amount on Record
Deed Sale	Jan 08, 2018 · Amount on Record
Prior Sale	Dec 06, 1990 · Amount on Record
Deed Doc Number	20188910-0203
Deed Book / Page	8910 / 203
Transfer Doc	0000963485
Record Refreshed	Sep 20, 2026

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 08, 2018
Property Address	103 E LOCUST ST, UNION BRIDGE, MD 21791-9137
Document Number	0089100203
Book / Page	8910 / 0203
Map Reference	LB DLM168 FO540
Instrument Date	Dec 28, 2017
Instrument	8910-0203
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E LOCUST ST, UNION BRIDGE, MD 21791-9137

Mortgage

Document Number	89100209
Date	Jan 08, 2018
Instrument	8910-0209

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Union Bridge Town
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$117,600 (+29.09%) Land $40,000 Building $77,600	$117,600 (+29.09%) Land $40,000 Building $77,600
2025	$1,599.00 (+18.62%)
2023	$1,348.00	$91,100 Land $40,000 Building $51,100	$91,100 Land $40,000 Building $51,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 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.

Property Details

APN / Parcel Number

Primary APN	`12-004575`
Alternative APN	`004575`

Interior

Full Baths	1 Baths
Building Area	1,200 sqft Total Area
Stories	2 Stories

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Siding Exterior
Roof Material	Metal Roof
Lot Area	4,356 sqft (0.1 acres)
Deck Area	180 sqft Deck
Porch Area	108 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	004575
Street Address	103 E LOCUST ST
City	UNION BRIDGE
State	MD
Zip	21791-9137
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT - 4400 SF 103 LOCUST AVE UNION BRIDGE
Legal Subdivision	UNION BRIDGE
Jurisdiction	CARROLL MD
Minor Civil Division	12, UNION BRIDGE
Census Blockgroup	1
Census Block	1055
Census Tract	512000