Carroll County property record for 228 Stem Rd, Union Bridge, MD 21791 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,448 sqft · built 2011 |
| Lot Size | 2.64 acres (114,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (Nov 2008) |
| Tax Bill | $6,025 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-008228 |
| Primary APN | 12-008228 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,448 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 114,998 sqft (2.64 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 358 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 008228 |
|---|---|
| Street Address | 228 STEM RD |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 4 -2.64 ACS STEM RD 51-8 SEC 2 FOUR BY GRACE |
| Legal Subdivision | FOUR GRACE |
| Legal Lot Number | 4 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 512000 |
Source: Carroll County records · APN 12-008228
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 | 228 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Jan 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 24, 2008 · Amount on Record |
| Deed Sale | Nov 24, 2008 · Amount on Record |
| Deed Document Number | 200881323 |
| Deed Book / Page | 5645 / 169 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 228 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0096770402 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 9677/402 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 228 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0095470457 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 9547/0457 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Aug 01, 2049 |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
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 | $602,300 (+47.05%) Land $141,400 Building $460,900 | $602,300 (+47.05%) Land $141,400 Building $460,900 | |
| 2025 | $6,025.00 (+30.19%) | ||
| 2023 | $4,628.00 | $409,600 Land $141,400 Building $268,200 | $409,600 Land $141,400 Building $268,200 |
Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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