203 E Elger St, Union Bridge, MD 21791 Property Records

Carroll County property record for 203 E Elger St, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,260 sqft · built 1885
Lot Size	0.216 acres (9,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Nov 2021)
Tax Bill	$3,866 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-004737`

Property Details

APN / Parcel Number

Primary APN	`12-004737`
Alternative APN	`004737`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,260 sqft Total Area

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Exterior Material	Siding
Roof Material	Metal
Lot Area	9,403 sqft (0.216 acres)
Garage Type	Detached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	133 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	004737
Street Address	203 E ELGER ST
City	UNION BRIDGE
State	MD
Zip	21791-9108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-600
Legal Description	LT - 9403 SQ FT 203 E ELGER ST UNION BRIDGE
Legal Subdivision	UNION BRIDGE
Jurisdiction	CARROLL MD
Township / Civil Division	12, UNION BRIDGE
Census Block Group	1
Census Block	1065
Census Tract	512000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Union Bridge Historic District listed 1994 · 251 contributing resources · NRIS 94000820

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	203 E ELGER ST, UNION BRIDGE, MD 21791-9108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Mar 16, 2006 · Amount on Record
Deed Book / Page	10559 / 439
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 16, 2021
Property Address	203 E ELGER ST, UNION BRIDGE, MD 21791-9108
Document Number	0105590439
Book / Page	10559 / 439
Instrument Date	Oct 29, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO

Transaction

Amount	Amount Recorded
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	203 E ELGER ST, UNION BRIDGE, MD 21791-9108

Mortgage

Document Number	0010559451
Date	Nov 16, 2021
Instrument	10559/451

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Union Bridge Town
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,866.00 (+18.23%)	$263,000 (+85.87%) Land $72,400 Building $190,600	$263,000 (+85.87%) Land $72,400 Building $190,600
2025	$3,270.00 (+56.16%)
2023	$2,094.00	$141,500 Land $72,400 Building $69,100	$141,500 Land $72,400 Building $69,100

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
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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	TOWN OF UNION BRIDGE serves 997 people · EPA ID MD0060013
Water Source	Groundwater influenced by surface water
Last State Inspection	Apr 2025
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 245 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20