Carroll County property record for 1356 Jay Rd, Eldersburg, MD 21784 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,594 sqft · built 1996 |
| Lot Size | 0.263 acres (11,460 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $515,000 (May 2023) |
| Tax Bill | $5,082 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-080363 |
| Primary APN | 05-080363 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,594 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,460 sqft (0.263 acres) |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 133 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 080363 |
|---|---|
| Street Address | 1356 JAY RD |
| City | SYKESVILLE |
| State | MD |
| Zip | 21784-6115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 16 - 0.2631 AC 1356 JAY RD 38-44/42 BENJAMINS CLAIM P.U.D.SC |
| Legal Subdivision | BENJAMINS CLAIM PUD SEC 01 |
| Legal Lot Number | 16 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 5, FREEDOM |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 505203 |
Source: Carroll County records · APN 05-080363
Assessment roll updated August 5, 2025 · 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 | 1356 JAY RD, SYKESVILLE, MD 21784-6115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 25, 2023 | Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC |
| Oct 01, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 13, 2021 | Deed, Transfer · VA Mortgage FIODELITY FIRST HOME MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 25, 2023 · Amount on Record |
| Deed Sale | May 25, 2023 · Amount on Record |
| Prior Sale | Aug 13, 2021 · Amount on Record |
| Deed Book / Page | 11038 / 39 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 25, 2023 |
| Property Address | 1356 JAY RD, ELDERSBURG, MD 21784-6115 |
| Document Number | 0110380039 |
| Book / Page | 11038 / 39 |
| Map Reference | MB 38 PG 44 |
| Instrument Date | May 10, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,575.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1356 JAV ROAD, ELDERSBURG, MD 21784-6115 |
| Investor | Possibly a Property Investor |
| Document Number | 0110380046 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 11038-0046 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1356 JAY RD, ELDERSBURG, MD 21784-6115 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1356 JAY RD, SYKESVILLE, MD 21784-6115 |
| Document Number | 0104780010 |
|---|---|
| Date | Oct 01, 2021 |
| Book Page | 10478/10 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | DALLAS, TX 75251 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 303 Months |
| Due | Jan 01, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 13, 2021 |
| Property Address | 1356 JAY RD, ELDERSBURG, MD 21784-6115 |
| Document Number | 0104060002 |
| Book / Page | 10406 / 2 |
| Map Reference | MB LWS38 PG 44 |
| Instrument Date | Aug 05, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | SAGE TITLE GROUP LLC, SAGE TITIE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1356 JAY RD, ELDERSBURG, MD 21784-6115 |
| Document Number | 0001040610 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 10406/10 |
| Name | FIODELITY FIRST HOME MORTGAGE CO |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll 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 |
|---|---|---|---|
| 2026 | $468,700 (+20.68%) | $496,900 (+20.52%) Land $150,000 Building $346,900 | |
| 2025 | $5,082.00 (+15.82%) | ||
| 2023 | $4,388.00 | $388,367 | $412,300 Land $150,000 Building $262,300 |
Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135052032, 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 |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| 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.
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