2860 Talbert Rd, Finksburg, MD 21048 Property Records

Carroll County property record for 2860 Talbert Rd, Finksburg, MD 21048

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,297 sqft · built 1994
Lot Size	0.971 acres (42,296 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,900 (Jun 2019)
Tax Bill	$7,094 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-065212`

Property Details

APN / Parcel Number

Primary APN	`04-065212`
Alternative APNs	`4065212` `065212`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,297 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	42,296 sqft (0.971 acres)
Garage Type	Attached
Garage Area	517 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	152 sqft
Deck Area	484 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	065212
Street Address	2860 TALBERT RD
City	FINKSBURG
State	MD
Zip	21048-1942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 12- 0.9713 AC TALBERT RD 34-118/119 ST GEORGES GATES SEC 1
Legal Subdivision	SECTION ONE ST GEORGES GATES
Legal Lot Number	12
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	3
Census Block	3011
Census Tract	504202

Owner

Source: Carroll County records, as of October 20, 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 Record
Mailing Address	2860 TALBERT RD, FINKSBURG, MD 21048-1942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Apr 23, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Jun 3, 2019	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	Sep 1, 1998 · Amount on Record
Deed Book / Page	9305 / 342
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2860 TALBERT RD, FINKSBURG, MD 21048-1942
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ADVANTAGE TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098960105
Date	Oct 14, 2020
Book Page	9896/105

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2860 TALBERT RD, FINKSBURG, MD 21048-1942
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0092710305
Date	Apr 23, 2019
Book Page	9271/0305

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 3, 2019
Property Address	2860 TALBERT RD, FINKSBURG, MD 21048-1942
Document Number	0093050342
Book / Page	9305 / 0342
Map Reference	MB LWS34 PG 119
Instrument Date	May 28, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FEE SIMPLE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	Tenants by the Entirety
Address	2860 TALBERT RD, FINKSBURG, MD 21048-1942

Mortgage

Document Number	0009305347
Date	Jun 3, 2019
Instrument	9305/347

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

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	$7,094.00 (+2.99%)	$628,133 (+13.95%)	$665,000 (+9.07%) Land $198,700 Building $466,300
2025	$6,888.00 (+10.6%)
2023	$6,228.00	$551,233	$609,700 Land $158,800 Building $450,900

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

Flood

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	2 in force
Nearby Flood Claims	2 (1979–2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2015 · 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

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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

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