Carroll County property record for 244 Stem Rd, Union Bridge, MD 21791 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 3,618 sqft Total Area |
| Lot Size | 87,120 sqft (2 acres) |
| Garage | Attached, 720 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $795,000 (2026) |
| Tax Bill | $6,884.00 (2025) |
Source: Carroll County records · APN 12-080824
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 | 244 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 06, 2024 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 05, 2026 | Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORPORATION |
| Dec 15, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage THE FEDERAL SAVINGS BANK |
| May 20, 2020 | Deed, Transfer · Veterans Administration Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 05, 2026 · Amount on Record |
| Deed Sale | Jun 05, 2026 · Amount on Record |
| Prior Sale | May 20, 2020 · Amount on Record |
| Deed Book / Page | 11783 / 119 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 244 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Transaction Type | Mortgage |
| Record Updated | Jun 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 244 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Document Number | 0112860125 |
|---|---|
| Date | Aug 06, 2024 |
| Book Page | 11286/125 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 05, 2026 |
| Property Address | 244 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Document Number | 1178000119 |
| Book / Page | 11783 / 119 |
| Instrument Date | May 27, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Title Company | LAKESIDE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $802,950.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 244 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Document Number | 1178000128, |
|---|---|
| Date | Jun 05, 2026 |
| Book Page | 11783/128 |
| Name | SWBC MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 244 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0100000001 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 10000/1 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 20, 2020 |
| Property Address | 244 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Document Number | 0096830356 |
| Book / Page | 9683 / 356 |
| Map Reference | B 48 FO 109 |
| Instrument Date | Mar 20, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 244 STEM RD, UNION BRIDGE, MD 21791-9002 |
| Document Number | 0009683363 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 9683/363 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 01, 2050 |
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 | $666,100 (+9.3%) Land $135,000 Building $531,100 | $666,100 (-) Land $135,000 Building $531,100 | |
| 2025 | $6,884.00 (+22.84%) | $609,400 (+22.86%) | $666,100 (+34.29%) Land $135,000 Building $531,100 |
| 2023 | $5,604.00 | $496,000 Land $135,000 Building $361,000 | $496,000 Land $135,000 Building $361,000 |
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.
| Primary APN | 12-080824 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Partial Baths | 2 Partial Baths |
| Building Area | 3,618 sqft Total Area |
| Basement Area | 660 sqft Basement |
| Finished Basement | 660 sqft Finished |
| Stories | 2 Stories |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 87,120 sqft (2 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 720 sqft Garage |
| Porch Area | 332 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 080824 |
|---|---|
| Street Address | 244 STEM RD |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9002 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 2 - 2.00 ACS 244 STEM RD 48-109 FOUR BY GRACE |
| Legal Subdivision | FOUR GRACE |
| Legal Lot Number | 2 |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 12, UNION BRIDGE |
| Census Blockgroup | 1 |
| Census Block | 1010 |
| Census Tract | 512000 |
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