14103 Temple St, Ellerslie, MD 21529 Property Records

Allegany County property record for 14103 Temple St, Ellerslie, MD 21529

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,528 sqft · built 1927
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$207,500 (Apr 2026)
Tax Bill	$1,223 (2025)
Deeds & Mortgages	May 2024 Mortgage Apr 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`20-003529`

Property Details

APN / Parcel Number

Primary APN	`20-003529`
Alternative APN	`003529`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,528 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	364 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	003529
Street Address	14103 TEMPLE ST
City	ELLERSLIE
State	MD
Zip	21529-1146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14103 TEMPLE ST LOTS 3-4 100X100 RAMSEY ADDN
Legal Subdivision	RAMSEY ADD
Legal Lot Number	3,4
Jurisdiction	ALLEGANY MD
Township / Civil Division	20, CORRIGANVILLE/ELLERSLIE
Census Block Group	1
Census Block	1015
Census Tract	1502

Owner

14103 Temple St is owned and occupied by two individuals who bought it in April 2026.

Source: Allegany County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 3, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 9, 2026	Special Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Apr 9, 2026	Special Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORPORATION
May 2, 2022	Deed, Transfer · Conventional Mortgage FIRST MORTGAGE SERVICES GROUP INC
Jun 30, 2021	Deed, Transfer · Conventional Mortgage STANDARD BANK PASB
Jan 25, 2019	Grant Deed, Transfer ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO
Jul 20, 2018	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2026 · Amount on File
Deed Sale	Apr 9, 2026 · Amount on File
Prior Sale	May 2, 2022 · Amount on File
Deed Book / Page	3151 / 112
Prior Transfer Date	May 14, 2018
Prior Transfer Doc	0023980174
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146
Transaction Type	Mortgage
Record Updated	May 6, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002965-0001
Date	May 3, 2024
Book Page	2965/1

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ALLEGANY MD
Recording Date	Apr 9, 2026
Property Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146
Document Number	3151000112
Book / Page	3151 / 112
Instrument Date	Mar 25, 2026
Transaction Type	Transfer
Record Updated	May 1, 2026
Title Company	ALLEGANY/GARRETT TITLE AND SETTLEMENT, ALLEGANY GARRETT TITLES & SETT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209,575.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146

Mortgage

Document Number	3151000121,
Date	Apr 9, 2026
Book Page	3151/121

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ALLEGANY MD
Recording Date	Apr 9, 2026
Property Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146
Document Number	003151-0112
Book / Page	3151 / 112
Instrument Date	Mar 25, 2026
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	ALLEGANY/GARRETT TITLE AND SETTLEMENT, ALLEGANY GARRETT TITLES & SETT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209,575.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146

Mortgage

Document Number	3151000121,
Date	Apr 9, 2026
Book Page	3151/121

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.75%
Max Rate	-1%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	May 2, 2022
Property Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146
Document Number	002778-0142
Book / Page	2778 / 142
Map Reference	LB 131 FO 723
Instrument Date	Apr 21, 2022
Transaction Type	Transfer
Record Updated	May 19, 2022

Transaction

Amount	Amount on Record
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	PO BOX 101, ELLERSLIE, MD 21529-0101

Mortgage

Document Number	0002778147
Date	May 2, 2022
Instrument	2778-147

Lender

Name	FIRST MORTGAGE SERVICES GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jun 30, 2021
Property Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146
Document Number	002680-0453
Book / Page	2680 / 453
Map Reference	LB 131 FO 723
Instrument Date	Jun 11, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount on Record
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
Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146

Mortgage

Document Number	0002680461
Date	Jun 30, 2021
Instrument	2680/461

Lender

Name	STANDARD BANK PASB
Type	Bank

Agreement

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

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Jan 25, 2019
Property Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146
Document Number	0024420067
Book / Page	002442 / 000067
Instrument Date	Dec 31, 2018
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO

Transaction

Amount	Amount on Record
Tax	$175.29
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	25 HOOPER FARM RD NANTUCKET MA 025544130, NANTUCKET, MA 02554-4130

July 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	ALLEGANY MD
Recording Date	Jul 20, 2018
Property Address	14103 TEMPLE ST, ELLERSLIE, MD 21529-1146
Document Number	0023980174
Book / Page	002398 / 000174
Instrument Date	May 14, 2018
Transaction Type	Foreclosure
Record Updated	Aug 9, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 14103 Temple St was $1,223.

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$142,767 (+7.72%)	$153,000 (-) Land $15,000 Building $138,000
2025	$1,223.00 Homeowner's exemption	$132,533	$153,000 Land $15,000 Building $138,000
2023	$1,030.00 Homeowner's exemption	$106,467	$122,300 Land $15,000 Building $107,300

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

Flood

FEMA maps place 14103 Temple St in Zone X, an area of minimal flood risk, though there have been 23 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · 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 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	23 (1993–2025)
Claims Outside the SFHA	9 of 23
Most Recent Claim	May 2025 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jan 1996 · 9 claims

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 14103 Temple St is low, with a 0.03% 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	0.03% 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

May also be available: SkyPacket.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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