1405 Jay Rd, #16, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 1405 Jay Rd, #16, Eldersburg, MD 21784

Property Summary

Property Type	Condominium
Lot Size	0.013 acres (576 sqft)
Owner	2 Individual Names on Record
Last Sale	$261,250 (Jul 2023)
Tax Bill	$2,522 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-109450`

Property Details

APN / Parcel Number

Primary APN	`05-109450`
Alternative APNs	`5109450` `109450`

Exterior

Architectural Style	Condo/Apartment
Lot Area	576 sqft (0.013 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	109450
Street Address	1405 JAY RD, 16
City	SYKESVILLE
State	MD
Zip	21784-6152
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-100
Legal Description	UNIT 16 1405 JAY RD 46-85/91 PH BENJAMINS CLAIM CONDO
Legal Subdivision	BENJAMINS CLAIM CONDOMINIUM
Legal Lot Number	UN 16
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 October 20, 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	1405 JAY RD, 16, SYKESVILLE, MD 21784-6152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARC HOME LLC
Mar 16, 2018	Grant Deed, Transfer PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2023 · Amount on Record
Deed Sale	Jul 13, 2023 · Amount on Record
Prior Sale	Mar 16, 2018 · Amount on Record
Deed Book / Page	11072 / 461
Prior Transfer Date	Jun 20, 2016
Prior Transfer Doc	0083550453
Record Updated	Oct 29, 2026

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 13, 2023
Property Address	1405 JAY RD # 16, 16, ELDERSBURG, MD 21784-6152
Document Number	0110720461
Book / Page	11072 / 461
Map Reference	MB 46 PG 85-91
Instrument Date	Jul 6, 2023
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
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	1405 JAY RD # 16, 16, SYKESVILLE, MD 21784-6152

Mortgage

Document Number	0110720468
Date	Jul 13, 2023
Book Page	11072/468

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1405 JAY RD # 16, 16, ELDERSBURG, MD 21784-6152
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101390393
Date	Mar 4, 2021
Book Page	10139/393

Lender

Name	ARC HOME LLC
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

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

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 16, 2018
Property Address	1405 JAY RD # 16, 16, ELDERSBURG, MD 21784-6152
Document Number	0089650409
Book / Page	008965 / 000409
Instrument Date	Mar 9, 2018
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	COMMUNITY SETTLEMENT GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 JAY RD #16 ELDERSBURG MD 217846152, 16, ELDERSBURG, MD 21784-6152

Mortgage

Document Number	89650416
Date	Mar 16, 2018
Book Page	008965/000416

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 15, 2048

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

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	$2,522.00 (+5.48%) Homeowner's exemption	$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 (+3.56%) Homeowner's exemption	$193,333 (+3.57%)	$200,000 (-) Land $70,000 Building $130,000
2022	$2,109.00 Homeowner's exemption	$186,667	$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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