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279 Stem Rd, Union Bridge, MD 21791 Property Records

Carroll County property record for 279 Stem Rd, Union Bridge, MD 21791 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 2,571 sqft · built 1975
Lot Size1.05 acres (45,738 sqft)
Owner2 Individual Names on File
Tax Bill$3,810 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APN12-002750

Property Details

APN / Parcel Number

Primary APN12-002750
Alternative APN
  • 002750

Interior

Full Baths2 Baths
Stories1 Story
Building Area2,571 sqft Total Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area45,738 sqft (1.05 acres)
Garage TypeAttached
Garage Area624 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area224 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelElectric
SewerConnected

Location & Zoning

Account Number002750
Street Address279 STEM RD
CityUNION BRIDGE
StateMD
Zip21791-9001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 2 - 1.05 ACS STEM RD 11-80 ROUND SPRING
Legal SubdivisionROUND SPRING
Legal Lot Number2
JurisdictionCARROLL MD
Township / Civil Division12, UNION BRIDGE
Census Block Group1
Census Block1010
Census Tract512000

Owner

Source: Carroll County records · APN 12-002750

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 Record2 Individual Names on File
Mailing Address279 STEM RD, UNION BRIDGE, MD 21791-9001
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARROLL MD
Recording DateMay 01, 2026
Property Address279 STEM RD, UNION BRIDGE, MD 21791-9001
Document Number1175000380
Book / Page11752 / 380
Instrument DateApr 20, 2026
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address279 STEM RD, UNION BRIDGE, MD 21791-9001

Mortgage

Document Number1175000380,
DateMay 01, 2026
Book Page11752/380
Lender
NameP N C BANK NA
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueMay 01, 2066
Interest
Rate6.22%
Max Rate-1%

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCarroll County
Unified School DistrictCarroll 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.

YearTax BillAssessed ValueAssessed Market Value
2026$431,000 (+43.28%) Land $125,500 Building $305,500$431,000 (+43.28%) Land $125,500 Building $305,500
2025$3,810.00 (+12.09%) Homeowner's exemption
2023$3,399.00 Homeowner's exemption$300,800 Land $125,500 Building $175,300$300,800 Land $125,500 Building $175,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135120001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2012)
Most Recent ClaimOct 2012, tidal / storm surge, Hurricane Sandy

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless25 / 3

May also be available at this address: Schurz Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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