230 Stem Rd, Union Bridge, MD 21791 Property Records

Carroll County property record for 230 Stem Rd, Union Bridge, MD 21791 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 2015
Square Footage	1,996 sqft Total Area
Lot Size	111,906 sqft (2.56 acres)
Garage	Attached, 936 sqft
Occupancy	Owner Occupied
Last Sale	$102,000 (2014)
Tax Bill	$4,687.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`12-008201`
Alternative APN	`008201`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	1,996 sqft Total Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	111,906 sqft (2.56 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Attached Garage
Garage Area	936 sqft Garage

Exterior Amenities

Pool Area	800 sqft Pool
Deck Area	120 sqft Deck
Patio Area	440 sqft Patio
Porch Area	30 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating

Location & Zoning

Account Number	008201
Street Address	230 STEM RD
City	UNION BRIDGE
State	MD
Zip	21791-9002
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT 3 - 2.569 ACS STEM RD 51-8 SC 2 FOUR BY GRACE
Legal Subdivision	FOUR BY GRACE
Legal Lot Number	3
Jurisdiction	CARROLL MD
Minor Civil Division	12, UNION BRIDGE
Census Blockgroup	1
Census Block	1010
Census Tract	512000

Owner

Source: Carroll County records · APN 12-008201

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	230 STEM RD, UNION BRIDGE, MD 21791-9002
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 04, 2014 · Amount on Record
Deed Sale	Dec 04, 2014 · Amount on Record
Deed Book / Page	7828 / 28
Record Refreshed	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	230 STEM RD, UNION BRIDGE, MD 21791-9002
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099770247
Date	Dec 02, 2020
Book Page	9977/247

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 01, 2035

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		$532,700 (+41.68%) Land $140,600 Building $392,100	$532,700 (+41.68%) Land $140,600 Building $392,100
2025	$4,687.00 (+10.33%) Homeowner's exemption
2023	$4,248.00 Homeowner's exemption	$376,000 Land $140,600 Building $235,400	$376,000 Land $140,600 Building $235,400

Flood & Wildfire

230 Stem Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Carroll County (24013C), updated March 11, 2016

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.