12704 Handboard Rd E, Union Bridge, MD 21791 Property Records

Frederick County property record for 12704 Handboard Rd E, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,264 sqft · built 2019
Lot Size	1.93 acres (84,506 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Jun 2018)
Tax Bill	$6,657 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-589074`

Property Details

APN / Parcel Number

Primary APN	`17-589074`
Alternative APN	`589074`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,264 sqft Living Area
Gross Area	2,840 sqft
1st Floor Area	1,509 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	84,506 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	589074
Street Address	12704 HANDBOARD RD E
City	UNION BRIDGE
State	MD
Zip	21791-8617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 302 1.94 ACRE DODD & RAINES PROPERTY
Legal Subdivision	DODD & RAINES PROP
Legal Lot Number	302
Jurisdiction	FREDERICK MD
Township / Civil Division	17, JOHNSVILLE
Census Block Group	2
Census Block	2016
Census Tract	751600

Owner

Source: Frederick County records · APN 17-589074

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit FCB BANKS
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Jan 30, 2019	Deed of Trust, Mortgage · Construction Mortgage BAY CAPITAL MORTGAGE CORP
Jul 23, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Jun 29, 2018	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Deed Book / Page	12500 / 145
Last Transfer Date	Jul 19, 2019
Transfer Doc	0130990342
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617

Mortgage

Document Number	0160890089
Date	Aug 17, 2022
Book Page	16089/89

Lender

Name	FCB BANKS
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617

Mortgage

Document Number	0146730297
Date	Mar 19, 2021
Book Page	14673/297

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0128190098
Date	Jan 30, 2019
Book Page	12819/0098

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Nov 01, 2019

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Jul 23, 2019
Property Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617
Document Number	0130990342
Book / Page	13099 / 0342
Map Reference	MB 91 PG 51
Instrument Date	Jul 19, 2019
Transaction Type	Transfer
Record Updated	Aug 09, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617

Mortgage

Document Number	130990346
Date	Jul 23, 2019
Instrument	13099/0346

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 29, 2018
Property Address	12704 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617
Document Number	0125000145
Book / Page	012500 / 000145
Instrument Date	Jun 25, 2018
Transaction Type	Transfer
Record Updated	Aug 07, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	300 CORMORANT PL #1316 FREDERICK MD 217011953, 1316, FREDERICK, MD 21701-1953

Tax Assessment & Valuation

Source: Frederick County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$550,267 (+2.36%)	$575,600 (+7.07%) Land $156,500 Building $419,100
2025	$6,657.00 (+9.78%)	$537,600 (+19.59%) Land $126,500 Building $411,100	$537,600 (-) Land $126,500 Building $411,100
2024	$6,064.00 (+13.22%)
2023	$5,356.00	$449,533	$537,600 Land $126,500 Building $411,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Frederick County (24021C), as of November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217516002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Shenandoah Telecommunications Company Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Based on FCC filings for 6 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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