3012 Main St, Manchester, MD 21102 Property Records

Carroll County property record for 3012 Main St, Manchester, MD 21102

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1.5 ba · 1,664 sqft · built 1860
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Jun 2015)
Tax Bill	$3,348 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-034624`

Property Details

APN / Parcel Number

Primary APN	`06-034624`
Alternative APNs	`6034624` `034624`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,664 sqft Total Area

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Exterior Material	Brick
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Detached
Garage Area	952 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	034624
Street Address	3012 MAIN ST
City	MANCHESTER
State	MD
Zip	21102-1706
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	BL
Legal Description	LT - 10890 SF S MAIN ST MANCHESTER
Jurisdiction	CARROLL MD
Township / Civil Division	6, MANCHESTER
Census Block Group	2
Census Block	2003
Census Tract	506102

Owner

3012 Main St, a commercial property, is owned by two individuals who bought it in June 2015.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3012 MAIN ST, MANCHESTER, MD 21102-1706
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 29, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMP CU/MD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2015 · Amount on File
Deed Sale	Jun 30, 2015 · Amount on File
Deed Book / Page	8026 / 28
Prior Transfer Date	Jun 12, 2015
Prior Transfer Doc	0080260028
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3012 MAIN ST, MANCHESTER, MD 21102-1706
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103850318
Date	Jul 30, 2021
Book Page	10385/318

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	289 Months
Due	Aug 1, 2045

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3012 MAIN ST, MANCHESTER, MD 21102-1706
Document Number	0098930224
Instrument Date	Sep 29, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	SECU TITLE SERVICES LLC, SECU TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 MAIN ST MANCHESTER MD 211021706, MANCHESTER, MD 21102-1706

Mortgage

Document Number	0098930224
Date	Oct 9, 2020
Book Page	009893/000224

Lender

Name	STATE EMP CU/MD
Type	Credit Union
Address	LINTHICUM, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3012 Main St was $3,348, up 0.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,348.00 (+0.33%)	$250,667 (+0.35%)	$252,400 (+1.04%) Land $80,600 Building $171,800
2025	$3,337.00	$249,800 Land $80,600 Building $169,200	$249,800 Land $80,600 Building $169,200
2023	$3,077.00	$228,667	$249,800 Land $80,600 Building $169,200

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

Flood

FEMA maps place 3012 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · tidal / storm surge

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 3012 Main St 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	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF MANCHESTER serves 4,954 people · EPA ID MD0060006
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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