Frederick County property record for 12131 Main St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,092 sqft · built 1730 |
| Lot Size | 0.643 acres (28,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $402,000 (Oct 2019) |
| Tax Bill | $5,815 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-222940 |
| Primary APN | 08-222940 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,092 sqft Living Area |
| Gross Area | 3,242 sqft |
| 1st Floor Area | 1,726 sqft |
| Utility Area | 104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1730 |
|---|---|
| Effective Year Built | Effective 1730 |
| Architectural Style | Conventional |
| Exterior Material | Stone |
| Construction Type | Frame |
| Roof Type | Sawtooth |
| Roof Material | Metal |
| Lot Area | 28,000 sqft (0.643 acres) |
| Porch | Enclosed Porch |
| Porch Area | 324 sqft |
| Patio Area | 484 sqft |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Account Number | 222940 |
|---|---|
| Street Address | 12131 MAIN ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-8101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VC |
| Legal Description | LOT 1 SEC 1 28,000 SQ. FT. SAMUELS SUB. |
| Legal Subdivision | SAMUELS SEC 01 |
| Legal Lot Number | 1 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 8, LIBERTY |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 751702 |
12131 Main St is owned and occupied by two individuals who bought it in October 2019.
Source: Frederick County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12131 MAIN ST, UNION BRIDGE, MD 21791-8101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 5, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC |
| Oct 22, 2019 | Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2019 · Amount on File |
| Deed Sale | Oct 22, 2019 · Amount on File |
| Prior Sale | Aug 23, 2012 · Amount on File |
| Deed Book / Page | 13287 / 316 |
| Transfer Doc | 0000003192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 12131 MAIN ST, UNION BRIDGE, MD 21791-8101 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12131 MAIN ST, UNION BRIDGE, MD 21791-8101 |
| Document Number | 0159020464 |
|---|---|
| Date | May 5, 2022 |
| Book Page | 15902/464 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | May 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 12131 MAIN ST, UNION BRIDGE, MD 21791-8101 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | NATIONWIDE TTL CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 12131 MAIN ST, UNION BRIDGE, MD 21791-8101 |
| Document Number | 0152790109 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 15279/109 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Oct 22, 2019 |
| Property Address | 12131 MAIN ST, UNION BRIDGE, MD 21791-8101 |
| Document Number | 0132870316 |
| Book / Page | 13287 / 0316 |
| Map Reference | MB 53 PG 74 |
| Instrument Date | Aug 24, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CERTIFIED TITLE CORPORATION |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,005.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12131 MAIN STREET, LIBERTYTOWN, MD 21762 |
| Document Number | 132870323 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 13287/0323 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 12131 Main St was $5,815 with a homeowner's exemption.
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $489,867 | $506,800 Land $136,100 Building $370,700 | |
| 2025 | $5,815.00 | ||
| 2023 | $4,783.00 | $397,267 | $481,400 Land $136,100 Building $345,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12131 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 12131 Main St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures