1510 Wheat Dr, Finksburg, MD 21048 Property Records

Carroll County property record for 1510 Wheat Dr, Finksburg, MD 21048

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,716 sqft · built 1994
Lot Size	3.48 acres (151,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (May 2015)
Tax Bill	$7,317 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-065700`

Property Details

APN / Parcel Number

Primary APN	`04-065700`
Alternative APNs	`4065700` `065700`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,716 sqft Total Area
Basement Area	567 sqft
Finished Basement	567 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	151,589 sqft (3.48 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	450 sqft
Porch	Slab
Porch Area	360 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	065700
Street Address	1510 WHEAT DR
City	FINKSBURG
State	MD
Zip	21048-1949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT 30 - 3.4795 ACS 1510 WHEAT DR 35/54 ST GEORGES GATES SC 2
Legal Subdivision	ST GEORGES GATES
Legal Lot Number	30
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	3
Census Block	3009
Census Tract	504202

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	1510 WHEAT DR, FINKSBURG, MD 21048-1949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit POINT BREEZE CU
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage POINT BREEZE CU
Oct 9, 2019	Deed of Trust, Mortgage · Line of Credit POINT BREEZE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2015 · Amount on Record
Deed Sale	May 1, 2015 · Amount on Record
Prior Sale	Oct 7, 1994 · Amount on Record
Deed Book / Page	7959 / 308
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1510 WHEAT DR, FINKSBURG, MD 21048-1949
Transaction Type	Mortgage
Record Updated	Dec 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109270498
Date	Nov 14, 2022
Book Page	10927/498

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1510 WHEAT DR, FINKSBURG, MD 21048-1949
Document Number	0094470164
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 31, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1510 WHEAT DR FINKSBURG MD 210481949, FINKSBURG, MD 21048-1949

Mortgage

Document Number	0094470164
Date	Oct 17, 2019
Book Page	009447/000164

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 16, 2044

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1510 WHEAT DR, FINKSBURG, MD 21048-1949
Document Number	0094470184
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 31, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1510 WHEAT DR FINKSBURG MD 210481949, FINKSBURG, MD 21048-1949

Mortgage

Document Number	0094470184
Date	Oct 17, 2019
Book Page	009447/000184

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21030

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$7,317.00 (+1.94%)	$648,067 (+13.66%)	$673,000 (+5.88%) Land $222,300 Building $450,700
2025	$7,178.00 (+11.41%)
2023	$6,443.00	$570,200	$635,600 Land $202,300 Building $433,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979–2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2015 · other causes

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	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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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