2520 Transparent Dr, Hampstead, MD 21074 Property Records

Carroll County property record for 2520 Transparent Dr, Hampstead, MD 21074

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,682 sqft · built 2020
Lot Size	16.7 acres (730,937 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Mar 2020)
Tax Bill	$9,350 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-014127`

Property Details

APN / Parcel Number

Primary APN	`06-014127`
Alternative APNs	`6014127` `014127`

Interior

Full Baths	5 Baths
Stories	1 Story
Building Area	3,682 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	730,937 sqft (16.7 acres)
Garage Type	Attached
Garage Area	804 sqft
Parking Spaces	3 Parking Spaces
Pool Area	600 sqft
Porch	Slab
Deck Area	410 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	014127
Street Address	2520 TRANSPARENT DR
City	HAMPSTEAD
State	MD
Zip	21074-1165
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 3A - 16.7804 ACS 2520 TRANSPARENT DR 55-2 ORCHARD VIEW ESTS 2
Legal Subdivision	ORCHARD VIEW ESTATES
Legal Lot Number	3A
Jurisdiction	CARROLL MD
Township / Civil Division	6, MANCHESTER
Census Block Group	1
Census Block	1003
Census Tract	506102

Owner

2520 Transparent Dr is owned and occupied by two individuals who acquired it in January 2021.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2520 TRANSPARENT DR, HAMPSTEAD, MD 21074-1165
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL FCU OF MARYLAND
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Feb 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL FCU OF MARYLAND
Mar 19, 2021	Deed of Trust, Mortgage · Line of Credit CNB BANK
Feb 19, 2021	Intrafamily Transfer, Transfer LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY
Mar 12, 2020	Deed, Construction Loan · Construction Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2020 · Amount on File
Deed Sale	Mar 12, 2020 · Amount on File
Prior Sale	Jul 2, 1982 · Amount on File
Deed Book / Page	9597 / 120
Last Transfer Date	Jan 15, 2021
Transfer Doc	0101150054
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2520 TRANSPARENT DR, HAMPSTEAD, MD 21074-1165
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116080469
Date	Nov 5, 2025
Book Page	11608/469

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2040

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2520 TRANSPARENT DR, HAMPSTEAD, MD 21074-1165
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101710210
Date	Mar 19, 2021
Book Page	10171/210

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2520 TRANSPARENT DR, HAMPSTEAD, MD 21074-1165
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109840402
Date	Feb 24, 2023
Book Page	10984/402

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2043

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2520 TRANSPARENT DR, HAMPSTEAD, MD 21074-1165
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101710226
Date	Mar 19, 2021
Book Page	10171/226

Lender

Name	CNB BANK
Type	Bank
Address	BERKELEY SPRINGS, WV 25411

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	238 Months
Due	Jan 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Feb 19, 2021
Property Address	2520 TRANSPARENT DR, HAMPSTEAD, MD 21074-1165
Document Number	0101150054
Book / Page	10115 / 54
Map Reference	MB 55 FO 258-260
Instrument Date	Jan 15, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2520 TRANSPARENT DR, HAMPSTEAD, MD 21074-1165

March 2020: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 12, 2020
Property Address	2520 TRANSPARENT DR, HAMPSTEAD, MD 21074-1165
Document Number	0095970120
Book / Page	9597 / 120
Map Reference	MB 55 FO 258-260
Instrument Date	Mar 6, 2020
Transaction Type	Construction Loan
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE CO

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2145 HERBERT AVE, WESTMINSTER, MD 21157-6946

Mortgage

Document Number	0009597125
Date	Mar 12, 2020
Instrument	9597/125

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	10 Months
Due	Jan 1, 2021

Tax Assessment & Valuation

The 2026 property tax bill for 2520 Transparent Dr was $9,350 with a homeowner's exemption, up 4.7% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,350.00 (+4.66%) Homeowner's exemption	$850,433 (+4.76%)	$927,700 (+14.28%) Land $200,800 Building $726,900
2025	$8,934.00 Homeowner's exemption	$811,800 Land $180,800 Building $631,000	$811,800 Land $180,800 Building $631,000
2023	$8,252.00 Homeowner's exemption	$730,333	$811,800 Land $180,800 Building $631,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2520 Transparent Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2018–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2021 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2520 Transparent Dr is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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