2004 Suffolk Rd, Finksburg, MD 21048 Property Records

Carroll County property record for 2004 Suffolk Rd, Finksburg, MD 21048

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,160 sqft · built 1970
Lot Size	0.48 acres (20,900 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (May 2016)
Tax Bill	$4,226 (2026)
Deeds & Mortgages	Sep 2018 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-009991`

Property Details

APN / Parcel Number

Primary APN	`04-009991`
Alternative APNs	`4009991` `009991`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,160 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,900 sqft (0.48 acres)

Exterior Amenities

Pool Area	544 sqft
Porch	Slab
Porch Area	64 sqft
Deck Area	168 sqft
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	009991
Street Address	2004 SUFFOLK RD
City	FINKSBURG
State	MD
Zip	21048-1631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 65C - 20900 SQ FT 2004 SUFFOLK RD 7-69 SC CARROLL COUNTY TRAILS
Legal Subdivision	CARROLL COUNTY TRAILS
Legal Lot Number	65C
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	2
Census Block	2007
Census Tract	504100

Owner

2004 Suffolk Rd is owned and occupied by two individuals who acquired it in December 2020.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2004 SUFFOLK RD, FINKSBURG, MD 21048-1631
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 10, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 19, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2016 · Amount on File
Deed Sale	May 6, 2016 · Amount on File
Prior Sale	Mar 7, 1984 · Amount on File
Deed Book / Page	8300 / 459
Last Transfer Date	Dec 17, 2020
Transfer Doc	0100160432
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2004 SUFFOLK RD, FINKSBURG, MD 21048-1631
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091130307
Date	Sep 10, 2018
Book Page	9113/0307

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Aug 29, 2028

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2004 SUFFOLK RD, FINKSBURG, MD 21048-1631
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098110194
Date	Aug 19, 2020
Book Page	9811/194

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	DUNDALK, MD 21222

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Dec 28, 2020
Property Address	2004 SUFFOLK RD, FINKSBURG, MD 21048-1631
Document Number	0100160432
Book / Page	10016 / 432
Instrument Date	Dec 17, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DISTRICT TITLE

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 by the Entirety

Mortgage

Document Number	0010016436
Date	Dec 28, 2020
Instrument	10016/436

Lender

Name	GEORGE MASON MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 2004 Suffolk Rd was $4,226, up 2.4% from the year before.

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	$4,226.00 (+2.42%)	$372,067 (+2.47%)	$390,000 (+7.41%) Land $160,000 Building $230,000
2025	$4,126.00	$363,100 Land $130,000 Building $233,100	$363,100 Land $130,000 Building $233,100
2023	$3,532.00	$312,633	$363,100 Land $130,000 Building $233,100

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

Flood

FEMA maps place 2004 Suffolk Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2003.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2003)
Most Recent Claim	Dec 2003 · river or lake flooding

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 2004 Suffolk Rd 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	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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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