11 Commerce St, Taneytown, MD 21787 Property Records

Carroll County property record for 11 Commerce St, Taneytown, MD 21787

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,232 sqft · built 1975
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$163,500 (Sep 2018)
Tax Bill	$3,337 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-014544`

Property Details

APN / Parcel Number

Primary APN	`01-014544`
Alternative APNs	`1014544` `014544`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	30 sqft
Patio Area	660 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	014544
Street Address	11 COMMERCE ST
City	TANEYTOWN
State	MD
Zip	21787-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT 176 & 177 6250 SF 11 COMMERCE ST TANEYTOWN
Legal Subdivision	STANLEY C REAVER
Legal Lot Number	176,177
Jurisdiction	CARROLL MD
Township / Civil Division	1, TANEYTOWN
Census Block Group	3
Census Block	3036
Census Tract	501002

Owner

11 Commerce St is owned and occupied by an individual who bought it in September 2018.

Source: Carroll County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	11 COMMERCE ST, TANEYTOWN, MD 21787-2020
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 25, 2018	Deed, Transfer · Conventional Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on File
Deed Sale	Sep 25, 2018 · Amount on File
Prior Sale	Mar 12, 2013 · Amount on File
Deed Book / Page	9126 / 442
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	11 COMMERCE ST, TANEYTOWN, MD 21787-2020
Transaction Type	Mortgage
Record Updated	Jul 19, 2022
Title Company	FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108170048
Date	Jun 23, 2022
Book Page	10817/48

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 25, 2018
Property Address	11 COMMERCE ST, TANEYTOWN, MD 21787-2020
Document Number	0091260442
Book / Page	9126 / 0442
Map Reference	LB EMM 164 FO42
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 COMMERCE ST, TANEYTOWN, MD 21787-2020

Mortgage

Document Number	0009126449
Date	Sep 25, 2018
Instrument	9126/449

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 11 Commerce St was $3,337, up 8.1% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Taneytown City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,337.00 (+8.06%)	$224,000 Land $75,000 Building $149,000	$224,000 Land $75,000 Building $149,000
2025	$3,088.00
2023	$2,608.00	$173,900 Land $73,000 Building $100,900	$173,900 Land $73,000 Building $100,900

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

Flood

FEMA maps place 11 Commerce St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1979.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1979–2003)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Sep 2003 · Hurricane Isabel

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

Wildfire risk around 11 Commerce 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF TANEYTOWN serves 6,750 people · EPA ID MD0060012
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	3 ppb (2021–2023) 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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 356 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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