Carroll County property record for 11 S Main St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,726 sqft · built 1860 |
| Lot Size | 0.301 acres (13,130 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Sep 2018) |
| Tax Bill | $4,133 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-003811 |
| Primary APN | 12-003811 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,726 sqft Total Area |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Construction Type | Frame |
| Lot Area | 13,130 sqft (0.301 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 678 sqft |
| Deck Area | 238 sqft |
| Shed | 1 Shed |
| Shed Area | 1,764 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Account Number | 003811 |
|---|---|
| Street Address | 11 S MAIN ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9124 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-600 |
| Legal Description | LT - 13130 SF 11 S MAIN ST UNION BRIDGE |
| Legal Subdivision | UNION BRIDGE |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1047 |
| 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.
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 S MAIN ST, UNION BRIDGE, MD 21791-9124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MY MORTGAGE INC |
| Sep 10, 2018 | Deed, Transfer · Conventional Mortgage C&F MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 10, 2018 · Amount on File |
| Deed Sale | Sep 10, 2018 · Amount on File |
| Prior Sale | May 7, 1998 · Amount on File |
| Deed Book / Page | 9114 / 82 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 11 S MAIN ST, UNION BRIDGE, MD 21791-9124 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | BAYVIEW TITLE, BAYVIEW TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0106080038 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 10608/38 |
| Name | MY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CROFTON, MD 21114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 10, 2018 |
| Property Address | 11 S MAIN ST, UNION BRIDGE, MD 21791-9124 |
| Document Number | 0091140082 |
| Book / Page | 9114 / 0082 |
| Map Reference | LB WA MCK31 FO363 |
| Instrument Date | Aug 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 11 S MAIN ST, UNION BRIDGE, MD 21791-9124 |
| Document Number | 0000911490 |
|---|---|
| Date | Sep 10, 2018 |
| Instrument | 9114/90 |
| Name | C&F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2048 |
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 | $4,133.00 (+7.35%) | $281,200 (+25.82%) Land $76,000 Building $205,200 | $281,200 (+25.82%) Land $76,000 Building $205,200 |
| 2025 | $3,850.00 (+16.42%) | ||
| 2023 | $3,307.00 | $223,500 Land $76,000 Building $147,500 | $223,500 Land $76,000 Building $147,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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 245 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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