1089 Thames Dr, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 1089 Thames Dr, Eldersburg, MD 21784 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,074 sqft · built 1991
Lot Size	3.52 acres (153,549 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Jul 2013)
Tax Bill	$6,517 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-071062`

Property Details

APN / Parcel Number

Primary APN	`05-071062`
Alternative APNs	`5071062` `071062`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,074 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	153,549 sqft (3.52 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Deck Area	1,126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	071062
Street Address	1089 THAMES DR
City	SYKESVILLE
State	MD
Zip	21784-8834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 39 - 3.5252 ACS THAMES DR 34-9/11 HAMMONDS ESTATES SC 2
Legal Subdivision	HAMMONDS ESTATES
Legal Lot Number	39
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	1
Census Block	1014
Census Tract	505101

Owner

Source: Carroll County records · APN 05-071062

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	2 Individual Names on File
Mailing Address	1089 THAMES DR, SYKESVILLE, MD 21784-8834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Oct 29, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 09, 2013 · Amount on Record
Deed Sale	Jul 09, 2013 · Amount on Record
Prior Sale	Dec 15, 1995 · Amount on Record
Deed Book / Page	7400 / 478
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1089 THAMES DR, ELDERSBURG, MD 21784-8834
Transaction Type	Mortgage
Record Updated	Nov 07, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1089 THAMES DR, SYKESVILLE, MD 21784-8834
Investor	Possibly a Property Investor

Mortgage

Document Number	0115920257
Date	Oct 20, 2025
Book Page	11592/257

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 11, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1089 THAMES DR, ELDERSBURG, MD 21784-8834
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0104330314
Date	Aug 31, 2021
Book Page	10433/314

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1089 THAMES DR, ELDERSBURG, MD 21784-8834
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091530105
Date	Oct 29, 2018
Book Page	9153/0105

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 records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
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		$665,567 (+28.4%)	$734,800 (+39.4%) Land $222,600 Building $512,200
2025	$6,517.00 (+11.27%) Homeowner's exemption
2023	$5,857.00	$518,367	$527,100 Land $222,600 Building $304,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135051011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 68 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Schurz Communications	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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