104 E Elger St, Union Bridge, MD 21791 Property Records

Carroll County property record for 104 E Elger St, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,050 sqft · built 1890
Lot Size	0.156 acres (6,790 sqft)
Owner	Individual Name on File
Tax Bill	$2,591 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-005229`

Property Details

APN / Parcel Number

Primary APN	`12-005229`
Alternative APN	`005229`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,050 sqft Total Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Asbestos
Roof Material	Metal
Lot Area	6,790 sqft (0.156 acres)

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Shed	1 Shed
Shed Area	896 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	005229
Street Address	104 E ELGER ST
City	UNION BRIDGE
State	MD
Zip	21791-9141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-600
Legal Description	LT 1 - 6790 SQ FT 104 E ELGER ST UNION BRIDGE
Legal Subdivision	JOSHUA SWITZER
Legal Block	4
Legal Lot Number	1
Jurisdiction	CARROLL MD
Township / Civil Division	12, UNION BRIDGE
Census Block Group	1
Census Block	1044
Census Tract	512000

Owner

Source: Carroll County assessment roll, APN 12-005229, as of 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	104 E ELGER ST, UNION BRIDGE, MD 21791-9141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 10, 2010
Deed Sale	Jun 10, 2010
Deed Document Number	201093108
Deed Book / Page	6197 / 169
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	104 E ELGER ST, UNION BRIDGE, MD 21791-9141
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093210410
Date	Jun 18, 2019
Book Page	9321/0410

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Carroll County assessment roll as of 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		$200,900 (+26.27%) Land $67,900 Building $133,000	$200,900 (+26.27%) Land $67,900 Building $133,000
2025	$2,591.00 (+10.07%) Homeowner's exemption
2023	$2,354.00 Homeowner's exemption	$159,100 Land $67,900 Building $91,200	$159,100 Land $67,900 Building $91,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), as of March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135120001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · 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.

Internet Providers

Source: FCC Broadband Data Collection, 245 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Schurz Communications Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MD0060013, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF UNION BRIDGE serves 997 people
Water Source	Groundwater influenced by surface water
Last State Inspection	Apr 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.