Carroll County property record for 245 Stem Rd, Union Bridge, MD 21791 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1.5 Baths |
| Year Built | Built 1967 |
| Square Footage | 1,456 sqft Total Area |
| Lot Size | 72,745 sqft (1.67 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $215,000 (2013) |
| Tax Bill | $3,047.00 (2025) |
| Primary APN | 12-002068 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,456 sqft Total Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Siding Exterior |
| Construction Type | Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 72,745 sqft (1.67 acres) |
| Deck Area | 120 sqft Deck |
| Porch Area | 176 sqft Porch |
| Heating Fuel | Electric Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 002068 |
|---|---|
| Street Address | 245 STEM RD |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9001 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT - 1.67 ACS N/S STEM RD UNION BRIDGE |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 12, UNION BRIDGE |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 512000 |
Source: Carroll County records · APN 12-002068
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 | 245 STEM RD, UNION BRIDGE, MD 21791-9001 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 02, 2013 · Amount on Record |
| Deed Sale | Oct 02, 2013 · Amount on Record |
| Prior Sale | May 06, 2004 · Amount on Record |
| Deed Book / Page | 7498 / 179 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 08, 2026 |
| Property Address | 245 STEM RD, UNION BRIDGE, MD 21791-9001 |
| Document Number | 1178000033 |
| Book / Page | 11784 / 33 |
| Instrument Date | May 15, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | VISIONET SYSTEMS INC, VISIONET SYSTEMS |
| Name | Verified Name |
|---|---|
| Address | 245 STEM RD, UNION BRIDGE, MD 21791-9001 |
| Document Number | 1178000033, |
|---|---|
| Date | Jun 08, 2026 |
| Book Page | 11784/33 |
| Name | P N C BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | May 20, 2066 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
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 | $283,200 (+6.19%) Land $131,700 Building $151,500 | $283,200 (-) Land $131,700 Building $151,500 | |
| 2025 | $3,047.00 (+15.42%) | $266,700 (+14.12%) | $283,200 (+21.18%) Land $131,700 Building $151,500 |
| 2023 | $2,640.00 | $233,700 Land $131,700 Building $102,000 | $233,700 Land $131,700 Building $102,000 |
245 Stem Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
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 |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 7th percentile of exposed land nationally · 15th in Maryland |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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