Carroll County property record for 206 E Elger St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,044 sqft · built 1900 |
| Lot Size | 0.183 acres (7,950 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (May 1989) |
| Tax Bill | $2,143 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-006233 |
| Primary APN | 12-006233 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,044 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Asbestos |
| Roof Material | Composition Shingle |
| Lot Area | 7,950 sqft (0.183 acres) |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 278 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 006233 |
|---|---|
| Street Address | 206 E ELGER ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9178 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-600 |
| Legal Description | 0.18365 AC 206 E ELGER STREET UNION BRIDGE |
| Legal Subdivision | UNION BRIDGE |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 512000 |
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.
Source: Carroll County assessment roll, as of August 5, 2025
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 File |
|---|---|
| Mailing Address | 206 E ELGER ST, UNION BRIDGE, MD 21791-9178 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING |
| Jan 14, 2021 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HOME LOANS INC |
| Jan 28, 2020 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS |
| Apr 27, 2019 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 1, 1989 · Amount on Record |
| Deed Sale | May 1, 1989 · Amount on Record |
| Deed Book / Page | 1143 / 349 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 206 E ELGER ST, UNION BRIDGE, MD 21791-9178 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0110020416 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 11002/416 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 206 E ELGER ST, UNION BRIDGE, MD 21791-9178 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2021 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV |
| Name | Verified Name |
|---|
| Document Number | 0100510006 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 10051/406 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 206 E ELGER ST, UNION BRIDGE, MD 21791-9178 |
| Document Number | 0095700070 |
| Instrument Date | Jan 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2020 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE & CLOSING S |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 206 E ELGER ST UNION BRIDGE MD 217919178, UNION BRIDGE, MD 21791-9178 |
| Document Number | 0095700070 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 009570/000070 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 206 E ELGER ST, UNION BRIDGE, MD 21791-9178 |
| Document Number | 0092830118 |
| Instrument Date | Apr 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2019 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 206 E ELGER ST UNION BRIDGE MD 217919178, UNION BRIDGE, MD 21791-9178 |
| Document Number | 0092830118 |
|---|---|
| Date | May 7, 2019 |
| Book Page | 009283/000118 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 6, 2049 |
Source: Carroll County assessment roll, as of August 5, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Union Bridge Town |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $157,000 (+27.23%) Land $70,900 Building $86,100 | $157,000 (+27.23%) Land $70,900 Building $86,100 | |
| 2025 | $2,143.00 (+17.36%) | ||
| 2023 | $1,826.00 | $123,400 Land $70,900 Building $52,500 | $123,400 Land $70,900 Building $52,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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