12920 Coppermine Rd, Union Bridge, MD 21791 Property Records

Frederick County property record for 12920 Coppermine Rd, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,570 sqft · built 1977
Lot Size	4.13 acres (179,903 sqft)
Owner	2 Individual Names on Record
Last Sale	$451,000 (Sep 2021)
Tax Bill	$5,423 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17-357492`

Property Details

APN / Parcel Number

Primary APN	`17-357492`
Alternative APN	`357492`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,570 sqft Living Area
1st Floor Area	1,820 sqft
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	179,903 sqft
Garage Area	364 sqft

Exterior Amenities

Porch	Open Porch
Deck Area	340 sqft
Patio Area	544 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	357492
Street Address	12920 COPPERMINE RD
City	UNION BRIDGE
State	MD
Zip	21791-8018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LT 2 SECT 1-4.132 AC COPPERMINE RD CEDARBROOK FARMS
Legal Subdivision	CEDARBROOK FARMS
Legal Lot Number	2
Jurisdiction	FREDERICK MD
Township / Civil Division	17, JOHNSVILLE
Census Block Group	2
Census Block	2023
Census Tract	751600

Owner

Source: Frederick County records, as of August 7, 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	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Deed, Transfer · Conventional Mortgage CBM MORTGAGE INC
Oct 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Oct 8, 2021	Intrafamily Transfer, Transfer
Jun 20, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 11, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Dec 17, 2004 · Amount on Record
Deed Book / Page	15251 / 411
Prior Transfer Date	Dec 14, 2020
Prior Transfer Doc	0153680048
Record Updated	Sep 20, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	FREDERICK MD
Recording Date	Sep 1, 2021
Property Address	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Document Number	0152510411
Book / Page	15251 / 411
Map Reference	MB 10 FO 4
Instrument Date	Aug 6, 2021
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018

Mortgage

Document Number	15251420
Date	Sep 1, 2021
Instrument	15251/420

Lender

Name	CBM MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Oct 8, 2021
Property Address	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Document Number	0153680048
Book / Page	15368 / 48
Map Reference	MB 10 FO 4
Instrument Date	Dec 14, 2020
Transaction Type	Transfer
Record Updated	Oct 25, 2021
Title Company	ACCOMODATION, ACCOMMODATION

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	Joint Tenants with Right of Survivorship
Address	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018

Mortgage

Document Number	1536854
Date	Oct 8, 2021
Instrument	15368/54

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2051

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FREDERICK MD
Recording Date	Oct 8, 2021
Property Address	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Document Number	0153680077
Book / Page	15368 / 77
Map Reference	MB 10 FO 4
Instrument Date	Dec 14, 2020
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Revocable Living Trust
Address	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREDERICK MD
Recording Date	Jun 20, 2019
Property Address	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Document Number	0130380352
Book / Page	013038 / 000352
Instrument Date	Jun 10, 2019
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	12920 COPPERMINE RD UNION BRIDGE MD 217918018, UNION BRIDGE, MD 21791-8018

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12920 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Document Number	0120360520
Book / Page	012036 / 000520
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Nov 30, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12920 COPPERMINE RD UNION BRIDGE MD 217918018, UNION BRIDGE, MD 21791-8018

Mortgage

Document Number	0120360520
Date	Sep 19, 2017
Book Page	012036/000520

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2047

Tax Assessment & Valuation

Source: Frederick County assessment roll, as of August 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$434,200 (+0.58%)	$439,200 (+1.74%) Land $167,300 Building $271,900
2025	$5,423.00 (+11.91%)	$431,700 (+25.36%) Land $137,300 Building $294,400	$431,700 (-) Land $137,300 Building $294,400
2024	$4,846.00 (+15.85%)
2023	$4,183.00	$344,367	$431,700 Land $137,300 Building $294,400

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 November 6, 2024 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · rainfall accumulation

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
T-Mobile Fixed Wireless	100 / 20

May also be available: EarthLink Business.

Cell Coverage

5G (outdoors only) and 4G LTE

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