12928 Coppermine Rd, Union Bridge, MD 21791 Property Records

Frederick County property record for 12928 Coppermine Rd, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,778 sqft · built 1984
Lot Size	12 acres (524,462 sqft)
Owner	2 Trust Names on File
Last Sale	$589,000 (Apr 2020)
Tax Bill	$6,450 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-363247`

Property Details

APN / Parcel Number

Primary APN	`17-363247`
Alternative APN	`363247`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,778 sqft Living Area
Gross Area	3,218 sqft
1st Floor Area	1,494 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	524,462 sqft
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	466 sqft
Deck Area	490 sqft
Greenhouse	300 sqft
Stable	748 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	363247
Street Address	12928 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 4 SECT 1 12.047 A COPPERMINE RD CEDARBROOK FARMS
Legal Subdivision	CEDARBROOK FARMS SEC 1
Legal Lot Number	4
Jurisdiction	FREDERICK MD
Township / Civil Division	17, JOHNSVILLE
Census Block Group	2
Census Block	2023
Census Tract	751600

Owner

12928 Coppermine Rd is owner-occupied and held in a trust since April 2020.

Source: Frederick County records, as of August 7, 2026

Owner of Record	2 Trust Names on File
Mailing Address	12928 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
Apr 27, 2020	Grant Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2020 · Amount on File
Deed Sale	Apr 27, 2020 · Amount on File
Deed Book / Page	13683 / 10
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12928 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Transaction Type	Mortgage
Record Updated	Dec 2, 2021
Title Company	EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152900046
Date	Nov 18, 2021
Book Page	15290/46

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREDERICK MD
Property Address	12928 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	EXCALIBUR TITLE AGENCY LLC, EXCALIBUR T&E LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152900046
Date	Sep 15, 2021
Book Page	15290/46

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FREDERICK MD
Recording Date	Apr 27, 2020
Property Address	12928 COPPERMINE RD, UNION BRIDGE, MD 21791-8018
Document Number	0136830010
Book / Page	013683 / 000010
Instrument Date	Apr 15, 2020
Transaction Type	Transfer
Record Updated	Jun 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$589.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12928 COPPERMINE RD UNION BRIDGE MD 217918018, UNION BRIDGE, MD 21791-8018

Mortgage

Document Number	136830014
Date	Apr 27, 2020
Book Page	013683/000014

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12928 Coppermine Rd was $6,450 with a homeowner's exemption.

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		$690,733	$775,400 Land $191,100 Building $584,300
2025	$6,450.00
2023	$5,581.00 Homeowner's exemption	$509,133	$648,400 Land $161,100 Building $487,300

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

Flood

FEMA maps place 12928 Coppermine Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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

Wildfire risk around 12928 Coppermine Rd 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	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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000

May also be available: EarthLink Business, MN FWA Buyer.

Cell Coverage

5G and 4G LTE (outdoors only)

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