21 Phillips Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 21 Phillips Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,034 sqft · built 1990
Lot Size	1.05 acres (45,869 sqft)
Owner	Individual Name on Record
Last Sale	$268,500 (Nov 2013)
Tax Bill	$3,529 (2026)
Deeds & Mortgages	Sep 2025 Second Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-003137`

Property Details

APN / Parcel Number

Primary APN	`12-003137`
Alternative APN	`003137`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,034 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	45,869 sqft (1.05 acres)
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	003137
Street Address	21 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 3 - 1.0534 ACS 21 PHILLIPS LN 20-72 WILSONS INHERITANCE
Legal Subdivision	WILSONS INHERITANCE
Legal Lot Number	3
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 October 20, 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	21 PHILLIPS LN, UNION BRIDGE, MD 21791-9012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2013 · Amount on Record
Deed Sale	Nov 14, 2013 · Amount on Record
Prior Sale	Nov 19, 2003 · Amount on Record
Deed Book / Page	7533 / 350
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	21 PHILLIPS LN, UNION BRIDGE, MD 21791-9012
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0115730034
Date	Sep 23, 2025
Book Page	11573/34

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Aug 20, 2040

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	21 PHILLIPS LN, UNION BRIDGE, MD 21791-9012
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0105060388
Date	Oct 18, 2021
Book Page	10506/388

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	May 1, 2051

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	$3,529.00 (+5.25%) Homeowner's exemption	$344,400 (+30.31%) Land $125,500 Building $218,900	$344,400 (+30.31%) Land $125,500 Building $218,900
2025	$3,353.00 (+12.29%) Homeowner's exemption
2023	$2,986.00 Homeowner's exemption	$264,300 Land $125,500 Building $138,800	$264,300 Land $125,500 Building $138,800

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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