Carroll County property record for 110 W Locust St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,232 sqft · built 1865 |
| Lot Size | 0.28 acres (12,183 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $82,000 (Jan 1994) |
| Tax Bill | $2,247 (2026) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 12-004257 |
| Primary APN | 12-004257 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,232 sqft Total Area |
| Year Built | Built 1865 |
|---|---|
| Effective Year Built | Effective 1865 |
| Exterior Material | Other |
| Roof Material | Metal |
| Lot Area | 12,183 sqft (0.28 acres) |
| Lot Dimensions | 262 ft deep x 46 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 252 sqft |
| Deck Area | 168 sqft |
| Shed | 1 Shed |
| Shed Area | 396 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 004257 |
|---|---|
| Street Address | 110 W LOCUST ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-600 |
| Legal Description | LT. 46.5 X 262 N/S LOCUST AVE UNION BRIDGE |
| Legal Subdivision | UNION BRIDGE |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1030 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 533, UNION BRIDGE, MD 21791-0533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 1994 · Amount on Record |
| Deed Sale | Jan 6, 1994 · Amount on Record |
| Prior Sale | Aug 14, 1992 · Amount on Record |
| Deed Book / Page | 1548 / 269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 110 W LOCUST ST, UNION BRIDGE, MD 21791-9132 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0102750210 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 10275/210 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29607 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 218 Months |
| Due | Jul 1, 2039 |
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 | $2,247.00 (+5.15%) Homeowner's exemption | $161,700 (+23.06%) Land $75,000 Building $86,700 | $161,700 (+23.06%) Land $75,000 Building $86,700 |
| 2025 | $2,137.00 (+9.93%) Homeowner's exemption | ||
| 2023 | $1,944.00 Homeowner's exemption | $131,400 Land $75,000 Building $56,400 | $131,400 Land $75,000 Building $56,400 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
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 | Direct burnable vegetation |
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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