Carroll County property record for 14 S Lightner St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 928 sqft · built 1924 |
| Lot Size | 0.225 acres (9,787 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $192,000 (Sep 2021) |
| Tax Bill | $2,742 (2026) |
| Deeds & Mortgages | Jan 2026 Transfer Nov 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-005261 |
| Primary APN | 12-005261 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 928 sqft Total Area |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 9,787 sqft (0.225 acres) |
| Lot Dimensions | 145 ft deep x 68 ft wide |
| Deck Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Radiant |
| Sewer | Connected |
| Account Number | 005261 |
|---|---|
| Street Address | 14 N LIGHTNER ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9166 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-600 |
| Legal Description | LT 1 - 9787 SF 14 N LIGHTNER ST 1B-96 UNION BRIDGE BLK 1 |
| Legal Subdivision | UNION BRIDGE |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1065 |
| Census Tract | 512000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Union Bridge Historic District listed 1994 · 251 contributing resources · NRIS 94000820 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
14 S Lightner St is owned and occupied by two individuals who acquired it in May 2025.
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 N LIGHTNER ST, UNION BRIDGE, MD 21791-9166 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Nov 30, 2017 | Deed of Trust, Mortgage · ARM CARROLL COMMUNITY BANK |
| Jan 9, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 20, 2021 | Deed, Transfer · USDA Mortgage TOWNEBANK MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2021 · Amount on File |
| Deed Sale | Sep 20, 2021 · Amount on File |
| Prior Sale | Apr 14, 2016 · Amount on File |
| Deed Book / Page | 10457 / 297 |
| Last Transfer Date | May 1, 2025 |
| Transfer Doc | 0116610026 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 8, 2026 |
| Property Address | 14 S LIGHTNER ST, UNION BRIDGE, MD 21791-9110 |
| Document Number | 0116610026 |
| Book / Page | 11661 / 26 |
| Map Reference | LB EMM JR 140 FO 212 |
| Instrument Date | May 1, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 14 N LIGHTNER ST, UNION BRIDGE, MD 21791-9166 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 14 S LIGHTNER ST, UNION BRIDGE, MD 21791-9110 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0088760467 |
|---|---|
| Date | Nov 30, 2017 |
| Book Page | 8876/0467 |
| Instrument | 8876-0467 |
| Name | CARROLL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | SYKESVILLE, MD 21784 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 14 S LIGHTNER ST, UNION BRIDGE, MD 21791-9110 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0092030177 |
|---|---|
| Date | Jan 9, 2019 |
| Book Page | 9203/0177 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 20, 2021 |
| Property Address | 14 S LIGHTNER ST, UNION BRIDGE, MD 21791-9110 |
| Document Number | 0104570297 |
| Book / Page | 10457 / 297 |
| Map Reference | MB 140 PG 212 |
| Instrument Date | Sep 3, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 14 N LIGHTNER ST, UNION BRIDGE, MD 21791-9166 |
| Document Number | 0010457303 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 10457/303 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2026 property tax bill for 14 S Lightner St was $2,742, up 13.8% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Union Bridge Town |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,742.00 (+13.82%) | $182,500 (+14.18%) Land $72,700 Building $109,800 | $182,500 (-) Land $72,700 Building $109,800 |
| 2025 | $2,409.00 | $159,833 | $182,500 Land $72,700 Building $109,800 |
| 2023 | $1,694.00 | $114,500 Land $72,700 Building $41,800 | $114,500 Land $72,700 Building $41,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 S Lightner St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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 risk around 14 S Lightner St 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF UNION BRIDGE serves 997 people · EPA ID MD0060013 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 79 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 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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