Carroll County property record for 1188 Gemstone Ct, Eldersburg, MD 21784
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,460 sqft · built 2002 |
| Lot Size | 0.371 acres (16,145 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $389,900 (Jun 2003) |
| Tax Bill | $6,546 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-106613 |
| Primary APN | 05-106613 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,460 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 16,145 sqft (0.371 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 106613 |
|---|---|
| Street Address | 1188 GEMSTONE CT |
| City | SYKESVILLE |
| State | MD |
| Zip | 21784-8870 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-200 |
| Legal Description | LT 33 - 16145 SF GEMSTONE CT PLT 46-55/63 STONE MANOR II 46-99 AMD |
| Legal Subdivision | STONE MANOR 02 |
| Legal Lot Number | 33 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 5, FREEDOM |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 505101 |
1188 Gemstone Ct is owned and occupied by two individuals who bought it in June 2003.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1188 GEMSTONE CT, SYKESVILLE, MD 21784-8870 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2003 · Amount on File |
| Deed Sale | Jun 18, 2003 · Amount on File |
| Prior Sale | Jul 26, 2002 · Amount on File |
| Deed Document Number | 200325996 |
| Deed Book / Page | 3478 / 468 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 1188 Gemstone Ct was $6,546, up 5.8% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,546.00 (+5.8%) | $574,000 | $606,000 Land $200,000 Building $406,000 |
| 2025 | $6,187.00 | ||
| 2023 | $5,602.00 | $495,800 | $510,000 Land $180,000 Building $330,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1188 Gemstone Ct in Zone X, an area of minimal flood risk.
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 risk around 1188 Gemstone Ct 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.
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 |
| 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.
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.
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