Carroll County property record for 251 Stem Rd, Union Bridge, MD 21791 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 1968 |
| Square Footage | 1,954 sqft Total Area |
| Lot Size | 84,332 sqft (1.93 acres) |
| Garage | Basement, 528 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $404,940 (2021) |
| Tax Bill | $4,289.00 (2025) |
| Primary APN | 12-000081 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,954 sqft Total Area |
| Basement Area | 1,152 sqft Basement |
| Finished Basement | 1,152 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Brick Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 84,332 sqft (1.93 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Basement Garage |
| Garage Area | 528 sqft Garage |
| Deck Area | 400 sqft Deck |
| Porch Area | 140 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Sewage | Sewage Connected |
| Account Number | 000081 |
|---|---|
| Street Address | 251 STEM RD |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9001 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT - 1.9357 ACS 251 STEM RD NR E/S HOFF RD |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 12, UNION BRIDGE |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 512000 |
Source: Carroll County records · APN 12-000081
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 | 251 STEM RD, UNION BRIDGE, MD 21791-9001 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| May 26, 2021 | Deed, Transfer · Conventional Mortgage SEVERN SAVINGS BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 26, 2021 · Amount on Record |
| Deed Sale | May 26, 2021 · Amount on Record |
| Prior Sale | Nov 16, 2007 · Amount on Record |
| Deed Book / Page | 10290 / 28 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 251 STEM RD, UNION BRIDGE, MD 21791-9001 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | OLD LINE TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0096610428 |
|---|---|
| Date | May 05, 2020 |
| Book Page | 9661/428 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 26, 2021 |
| Property Address | 251 STEM RD, UNION BRIDGE, MD 21791-9001 |
| Document Number | 0102900028 |
| Book / Page | 10290 / 28 |
| Instrument Date | May 21, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | LEGACYHOUSE TITLE, LEGACY HOUSE TITLE |
| 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 | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 251 STEM RD, UNION BRIDGE, MD 21791-9001 |
| Document Number | 0001029034 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 10290/34 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
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 | $402,800 (+23.07%) Land $134,300 Building $268,500 | $402,800 (+23.07%) Land $134,300 Building $268,500 | |
| 2025 | $4,289.00 (+15.98%) | ||
| 2023 | $3,698.00 | $327,300 Land $134,300 Building $193,000 | $327,300 Land $134,300 Building $193,000 |
251 Stem Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
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 | 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.
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