Carroll County property record for 103 S Lightner St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 770 sqft · built 1912 |
| Lot Size | 0.241 acres (10,512 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,900 (Sep 2023) |
| Tax Bill | $3,481 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Apr 2023 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-004931 |
| Primary APN | 12-004931 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 770 sqft Total Area |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,512 sqft (0.241 acres) |
| Porch | Slab |
| Porch Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 004931 |
|---|---|
| Street Address | 103 S LIGHTNER ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-600 |
| Legal Description | LT 2 - 10512 SQ FT 103 LIGHTNER ST 3-15 LEHIGH ADDITION |
| Legal Subdivision | LEHIGH ADD |
| Legal Lot Number | 2 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1061 |
| 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.
103 S Lightner St is owned and occupied by an individual who bought it in September 2023.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 14, 2023 | Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Apr 4, 2023 | Trustee's Deed, Foreclosure NOT AVAILABLE, NEW WORLD TITLE COMPANY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2023 · Amount on File |
| Deed Sale | Sep 14, 2023 · Amount on File |
| Prior Sale | Dec 23, 2009 · Amount on File |
| Deed Book / Page | 11114 / 324 |
| Prior Transfer Date | Jul 16, 2009 |
| Prior Transfer Doc | 0059060027 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 14, 2023 |
| Property Address | 103 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Document Number | 0111140324 |
| Book / Page | 11114 / 324 |
| Map Reference | MB 3 PG 15 |
| Instrument Date | Sep 1, 2023 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2023 |
| Title Company | RLM TITLE AGENCY, REALM TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $649.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Document Number | 0111140331 |
|---|---|
| Date | Sep 14, 2023 |
| Instrument | 11114-0331 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Apr 4, 2023 |
| Property Address | 103 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Document Number | 0110070142 |
| Book / Page | 11007 / 142 |
| Map Reference | MB 3 PG 15 |
| Instrument Date | Mar 30, 2023 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 26, 2023 |
| Title Company | NOT AVAILABLE, NEW WORLD TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $520.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6959 GOLDE RING ROAD, ROSEDALE, MD 21237-3033 |
The 2026 property tax bill for 103 S Lightner St was $3,481, up 20.3% from the year before.
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 | $3,481.00 (+20.32%) | $236,800 Land $73,500 Building $163,300 | $236,800 Land $73,500 Building $163,300 |
| 2025 | $2,893.00 | ||
| 2023 | $1,728.00 | $116,800 Land $73,500 Building $43,300 | $116,800 Land $73,500 Building $43,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 103 S Lightner St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 103 S Lightner St is low, with a 0.01% annual chance of wildfire.
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 | None beyond ember reach |
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 79 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 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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