19 Phillips Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 19 Phillips Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,104 sqft · built 1986
Lot Size	1.85 acres (80,586 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Jun 2008)
Tax Bill	$2,920 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-003129`

Property Details

APN / Parcel Number

Primary APN	`12-003129`
Alternative APN	`003129`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,104 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	80,586 sqft (1.85 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	003129
Street Address	19 PHILLIPS LN
City	UNION BRIDGE
State	MD
Zip	21791-9012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 2 - 1.85 ACS 19 PHILLIPS LN 20-72 WILSONS INHERITANCE
Legal Subdivision	WILSONS INHERITANCE
Legal Lot Number	2
Jurisdiction	CARROLL MD
Township / Civil Division	12, UNION BRIDGE
Census Block Group	1
Census Block	1006
Census Tract	512000

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	Individual Name on Record
Mailing Address	19 PHILLIPS LN, UNION BRIDGE, MD 21791-9012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2008 · Amount on Record
Deed Sale	Jun 4, 2008 · Amount on Record
Prior Sale	Jun 30, 1986 · Amount on Record
Deed Document Number	200873623
Deed Book / Page	5550 / 1
Last Transfer Date	Apr 26, 2021
Transfer Doc	0102490104
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	19 PHILLIPS LN, UNION BRIDGE, MD 21791-9012
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097940187
Date	Aug 7, 2020
Book Page	9794/187

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	May 4, 2021
Property Address	19 PHILLIPS LN, UNION BRIDGE, MD 21791-9012
Document Number	0102490104
Book / Page	10249 / 104
Map Reference	MB 20 PL 72
Instrument Date	Apr 26, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	19 PHILLIPS LN, UNION BRIDGE, MD 21791-9012

Mortgage

Document Number	0010249108
Date	May 4, 2021
Instrument	10249/108

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

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

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		$286,200 (+6.95%) Land $133,500 Building $152,700	$286,200 (-) Land $133,500 Building $152,700
2025	$2,920.00 (+12.18%) Homeowner's exemption	$267,600 (+16.15%)	$286,200 (+24.22%) Land $133,500 Building $152,700
2023	$2,603.00 Homeowner's exemption	$230,400 Land $133,500 Building $96,900	$230,400 Land $133,500 Building $96,900

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
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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