1187 Gemstone Ct, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 1187 Gemstone Ct, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,259 sqft · built 2002
Lot Size	0.43 acres (18,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$571,900 (Sep 2017)
Tax Bill	$6,846 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-106591`

Property Details

APN / Parcel Number

Primary APN	`05-106591`
Alternative APNs	`5106591` `106591`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,259 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,710 sqft (0.43 acres)
Garage Type	Attached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	106591
Street Address	1187 GEMSTONE CT
City	SYKESVILLE
State	MD
Zip	21784-8871
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 31 - 18710 SQ FT 1187 GEMSTONE CT 46-55/6 STONE MANOR II 46-99 AMD
Legal Subdivision	STONE MANOR 02
Legal Lot Number	31
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	1
Census Block	1013
Census Tract	505101

Owner

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	1187 GEMSTONE CT, SYKESVILLE, MD 21784-8871
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2022	Deed of Trust, Mortgage · Unknown CNB
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB
Sep 1, 2017	Deed, Transfer · Conventional Mortgage THE COLUMBIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2017 · Amount on Record
Deed Sale	Sep 1, 2017 · Amount on Record
Prior Sale	Sep 6, 2005 · Amount on Record
Deed Document Number	20178793-0057
Deed Book / Page	8793 / 57
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1187 GEMSTONE CT, ELDERSBURG, MD 21784-8871
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108150124
Date	Jun 22, 2022
Book Page	10815/124

Lender

Name	CNB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Unknown
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1187 GEMSTONE CT, ELDERSBURG, MD 21784-8871
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100800099
Date	Feb 2, 2021
Book Page	10080/399

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 1, 2017
Property Address	1187 GEMSTONE CT, ELDERSBURG, MD 21784-8871
Document Number	0087930057
Book / Page	8793 / 0057
Map Reference	MB46 PL55-61
Instrument Date	Aug 18, 2017
Instrument	8793-0057
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	9810 GARDEN RANGES, 9810, LAUREL, MD 20723-5921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1187 GEMSTONE CT, SYKESVILLE, MD 21784-8871

Mortgage

Document Number	87930065
Date	Sep 1, 2017
Instrument	8793-0065

Lender

Name	THE COLUMBIA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,846.00 (+5.11%) Homeowner's exemption	$623,733 (+16.69%)	$666,100 (+23.58%) Land $200,000 Building $466,100
2025	$6,513.00 (+7.83%) Homeowner's exemption
2023	$6,040.00 Homeowner's exemption	$534,533	$539,000 Land $180,000 Building $359,000

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

Flood

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	2 in force

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

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	FREEDOM DISTRICT serves 24,867 people · EPA ID MD0060002
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2019 Haloacetic acids resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 122 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Gemstone Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures