1397 Jay Rd, #8, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 1397 Jay Rd, #8, Eldersburg, MD 21784

Property Summary

Property Type	Condominium
Lot Size	0.013 acres (598 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,500 (Jan 2022)
Tax Bill	$2,391 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-109965`

Property Details

APN / Parcel Number

Primary APN	`05-109965`
Alternative APNs	`5109965` `109965`

Exterior

Architectural Style	Condo/Apartment
Lot Area	598 sqft (0.013 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	109965
Street Address	1397 JAY RD, 8
City	SYKESVILLE
State	MD
Zip	21784-6115
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-100
Legal Description	UNIT 8 PH 2 1397 JAY RD 46-117/121 BENJAMINS CLAIM CONDO
Legal Phase	2
Legal Lot Number	UN 8
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	2
Census Block	2002
Census Tract	505203

Owner

Source: Carroll County records, as of August 18, 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	1397 JAY RD, 8, SYKESVILLE, MD 21784-6115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2022 · Amount on Record
Deed Sale	Jan 21, 2022 · Amount on Record
Prior Sale	Jul 29, 2003 · Amount on Record
Deed Book / Page	10645 / 308
Record Updated	Sep 20, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 21, 2022
Property Address	1397 JAY RD # 8, 8, ELDERSBURG, MD 21784-6115
Document Number	0106450308
Book / Page	10645 / 308
Map Reference	MB 46 PG 117-121
Instrument Date	Jan 14, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	1397 JAY RD # 8, 8, SYKESVILLE, MD 21784-6115

Mortgage

Document Number	0010645315
Date	Jan 21, 2022
Instrument	10645/315

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$246,667 (+27.59%)	$270,000 (+35%) Land $70,000 Building $200,000
2025	$2,391.00 (+9.48%) Homeowner's exemption
2023	$2,184.00	$193,333	$200,000 Land $70,000 Building $130,000

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 March 11, 2016 · 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

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	Indirect within ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FREEDOM DISTRICT serves 24,867 people · EPA ID MD0060002
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2019 Haloacetic acids resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 493 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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