Frederick County property record for 12706 Handboard Rd E, Union Bridge, MD 21791 · Last verified September 2023
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,214 sqft · built 2021 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | Individual Name on File |
| Last Sale | $489,100 (Jun 2021) |
| Tax Bill | $4,689 (2023) |
| Deeds & Mortgages | Apr 2023 Line of Credit Jun 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-589075 |
| Primary APN | 17-589075 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,214 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 47,045 sqft (1.08 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 589075 |
|---|---|
| Street Address | 12706 HANDBOARD RD E |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-8617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 303 1.08 ACRE DODD & RAINES PROPERTY |
| Legal Subdivision | DODD & RAINES PROP |
| Legal Lot Number | 303 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 17, JOHNSVILLE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 751600 |
Source: Frederick County records · APN 17-589075
Assessment roll updated July 1, 2023 · Last verified September 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 12706 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 10, 2021 | Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Jun 29, 2018 | Grant Deed, Transfer OTHER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 10, 2021 · Amount on Record |
| Deed Sale | Jun 10, 2021 · Amount on Record |
| Prior Sale | Jun 29, 2018 · Amount on Record |
| Deed Document Number | 0014981142 |
| Deed Book / Page | 14981 / 142 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Property Address | 12706 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12706 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617 |
| Document Number | 0164190192 |
|---|---|
| Date | Apr 27, 2023 |
| Book Page | 16419/192 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 26, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 10, 2021 |
| Property Address | 12706 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617 |
| Document Number | 0149810142 |
| Book / Page | 14981 / 142 |
| Map Reference | MB 91 PL 51 |
| Instrument Date | May 28, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | ASSURE TITLE, ASSURANCE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,445.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12706 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617 |
| Document Number | 0014981148 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 14981/148 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jun 29, 2018 |
| Property Address | 12706 HANDBOARD RD E, UNION BRIDGE, MD 21791-8617 |
| Document Number | 0125010191 |
| Book / Page | 012501 / 000191 |
| Instrument Date | Jun 25, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Tax | $230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | PO BOX 659 MOUNT AIRY MD 217710659, MOUNT AIRY, MD 21771-0659 |
Source: Frederick County records · Assessment roll updated July 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Unified School District | Frederick County Public Schools (PK - 12) |
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 |
|---|---|---|---|
| 2023 | $4,689.00 Homeowner's exemption | $414,933 | $500,400 Land $120,500 Building $379,900 |
Source: FEMA National Flood Hazard Layer, Frederick County (24021C), updated November 6, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240217516002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Sep 1979, rainfall accumulation |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 6 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Shenandoah Telecommunications Company | Fiber | 8,000 / 8,000 |
| Xfinity | Cable | 2,000 / 250 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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