Carroll County property record for 220 Arrow Ln, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,392 sqft · built 1964 |
| Lot Size | 0.461 acres (20,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Jan 2017) |
| Tax Bill | $3,375 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-000391 |
| Primary APN | 12-000391 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,392 sqft Total Area |
| Basement Area | 760 sqft |
| Finished Basement | 760 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,100 sqft (0.461 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 330 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 000391 |
|---|---|
| Street Address | 220 ARROW LN |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-100 |
| Legal Description | LT- 20100 SF 220 ARROW LN N/S BARK HILL RD |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 512000 |
220 Arrow Ln is owned and occupied by two individuals who bought it in January 2017.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 220 ARROW LN, UNION BRIDGE, MD 21791-9414 |
| 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.
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION |
| Oct 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 2, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 11, 2017 | Special Warranty Deed, Transfer · FHA Mortgage CORRIDOR MORTGAGE GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 11, 2017 · Amount on File |
| Deed Sale | Jan 11, 2017 · Amount on File |
| Prior Sale | May 6, 2016 · Amount on File |
| Deed Document Number | 20178578-0256 |
| Deed Book / Page | 8578 / 256 |
| Prior Transfer Date | Jan 13, 2016 |
| Prior Transfer Doc | 0083000479 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 18, 2026 |
| Property Address | 220 ARROW LN, UNION BRIDGE, MD 21791-9414 |
| Document Number | 1176000136 |
| Book / Page | 11764 / 136 |
| Instrument Date | Apr 7, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 220 ARROW LN, UNION BRIDGE, MD 21791-9414 |
| Document Number | 1176000136, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 11764/136 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 220 ARROW LN, UNION BRIDGE, MD 21791-9414 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0105020134 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 10502/134 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 307 Months |
| Due | May 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 220 ARROW LN, UNION BRIDGE, MD 21791-9414 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0095830444 |
|---|---|
| Date | Mar 2, 2020 |
| Book Page | 9583/444 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Apr 1, 2047 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 11, 2017 |
| Property Address | 220 ARROW LN, UNION BRIDGE, MD 21791-9414 |
| Document Number | 0085780256 |
| Book / Page | 8578 / 0256 |
| Instrument Date | Nov 28, 2016 |
| Instrument | 8578-0256 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | PASSPORT TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 650043, DALLAS, TX 75265-0043 |
| Name | Verified Name |
|---|---|
| Address | 220 ARROW LN, UNION BRIDGE, MD 21791-9414 |
| Document Number | 0085780264 |
|---|---|
| Date | Jan 11, 2017 |
| Instrument | 8578-0264 |
| Name | CORRIDOR MORTGAGE GROUP INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2047 |
The 2026 property tax bill for 220 Arrow Ln was $3,375, up 8.1% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,375.00 (+8.07%) | $296,000 (+8.2%) Land $85,000 Building $211,000 | $296,000 (-) Land $85,000 Building $211,000 |
| 2025 | $3,123.00 | $273,567 | $296,000 Land $85,000 Building $211,000 |
| 2023 | $2,584.00 | $228,700 Land $85,000 Building $143,700 | $228,700 Land $85,000 Building $143,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 220 Arrow Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
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 File 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 risk around 220 Arrow Ln 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.
Source: FCC Broadband Data Collection, based on 49 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 |
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