Carroll County property record for 113 S Lightner St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,292 sqft · built 1860 |
| Lot Size | 0.508 acres (22,119 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $246,000 (Dec 2018) |
| Tax Bill | $5,153 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-004044 |
| Primary APN | 12-004044 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,292 sqft Total Area |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,119 sqft (0.508 acres) |
| Garage Type | Detached |
| Garage Area | 1,252 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 198 sqft |
| Patio Area | 128 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 004044 |
|---|---|
| Street Address | 113 S LIGHTNER ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-600 |
| Legal Description | LTS 7 & 8 - 22119 S 113 S LIGHTNER ST EXTD UNION BRIDGE 3-15 |
| Legal Subdivision | UNION BRIDGE |
| Legal Lot Number | 7-22119 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1061 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 113 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC |
| Aug 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| Dec 14, 2018 | Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2018 · Amount on Record |
| Deed Sale | Dec 14, 2018 · Amount on Record |
| Prior Sale | Oct 16, 1996 · Amount on Record |
| Deed Book / Page | 9187 / 30 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 113 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS |
| Name | Verified Name |
|---|
| Document Number | 0100790244 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 10079/244 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 113 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | IN HOUSE TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0093720343 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 9372/0343 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 14, 2018 |
| Property Address | 113 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Document Number | 0091870030 |
| Book / Page | 9187 / 0030 |
| Map Reference | LB EAS3 FO15&C |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | IN HOUSE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment 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 | 113 S LIGHTNER ST, UNION BRIDGE, MD 21791-9107 |
| Document Number | 0000918737 |
|---|---|
| Date | Dec 14, 2018 |
| Instrument | 9187/37 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 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 | $5,153.00 (+10.2%) | $350,600 (+10.22%) Land $85,000 Building $265,600 | $350,600 (-) Land $85,000 Building $265,600 |
| 2025 | $4,676.00 (+24.86%) | $318,100 (+25.68%) | $350,600 (+38.52%) Land $85,000 Building $265,600 |
| 2023 | $3,745.00 | $253,100 Land $85,000 Building $168,100 | $253,100 Land $85,000 Building $168,100 |
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 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 20 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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