225 Stem Rd, Union Bridge, MD 21791 Property Records

Carroll County property record for 225 Stem Rd, Union Bridge, MD 21791 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,104 sqft · built 1973
Lot Size	0.928 acres (40,432 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,575 (2025)
Deeds & Mortgages	Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`12-000847`

Property Details

APN / Parcel Number

Primary APN	`12-000847`
Alternative APN	`000847`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,104 sqft Total Area
Utility Area	130 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	40,432 sqft (0.928 acres)
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	000847
Street Address	225 STEM RD
City	UNION BRIDGE
State	MD
Zip	21791-9001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT - 0.9282 AC 225 STEM RD NW OF LINWOOD
Jurisdiction	CARROLL MD
Township / Civil Division	12, UNION BRIDGE
Census Block Group	1
Census Block	1009
Census Tract	512000

Owner

Source: Carroll County records · APN 12-000847

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	225 STEM RD, UNION BRIDGE, MD 21791-9001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Mar 30, 2021
Transfer Doc	0102030398
Record Updated	Sep 20, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Apr 09, 2021
Property Address	225 STEM RD, UNION BRIDGE, MD 21791-9001
Document Number	0102030398
Book / Page	10203 / 398
Instrument Date	Mar 30, 2021
Transaction Type	Transfer
Record Updated	Jun 04, 2021

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 in Common
Address	225 STEM RD, UNION BRIDGE, MD 21791-9001

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$250,500 (+6.79%) Land $119,200 Building $131,300	$250,500 (-) Land $119,200 Building $131,300
2025	$2,575.00 (+12.45%) Homeowner's exemption	$234,567 (+15.72%)	$250,500 (+23.58%) Land $119,200 Building $131,300
2023	$2,290.00 Homeowner's exemption	$202,700 Land $119,200 Building $83,500	$202,700 Land $119,200 Building $83,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135120001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Oct 2012, tidal / storm surge, Hurricane Sandy

Wildfire

Wildfire Risk	Low above 7% of the US · above 15% of Maryland
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	25 / 3

May also be available at this address: Schurz Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.