306 E Elger St, Union Bridge, MD 21791 Property Records

Carroll County property record for 306 E Elger St, Union Bridge, MD 21791 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,028 sqft · built 1979
Lot Size	0.399 acres (17,400 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Jun 2023)
Tax Bill	$4,399 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-003293`

Property Details

APN / Parcel Number

Primary APN	`12-003293`
Alternative APN	`003293`

Interior

Full Baths	2 Baths
Building Area	1,028 sqft Total Area
Basement Area	950 sqft
Finished Basement	950 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,400 sqft (0.399 acres)
Garage Type	Detached
Garage Area	196 sqft
Deck Area	420 sqft
Patio Area	284 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	003293
Street Address	306 E ELGER ST
City	UNION BRIDGE
State	MD
Zip	21791-9186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 3,4-17400 SQ FT 306 E ELGER ST 1B-96 BELLEVUE ADD BLK 1
Legal Subdivision	BELLEVUE ADD
Legal Block	1
Legal Lot Number	3,4
Jurisdiction	CARROLL MD
Township / Civil Division	12, UNION BRIDGE
Census Block Group	1
Census Block	1065
Census Tract	512000

Owner

Source: Carroll County records · APN 12-003293

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	306 E ELGER ST, UNION BRIDGE, MD 21791-9186
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jun 09, 2023	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 01, 2023	Deed, Transfer
Dec 29, 2022	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 09, 2023 · Amount on Record
Deed Sale	Jun 09, 2023 · Amount on Record
Prior Sale	Feb 01, 2023 · Amount on Record
Deed Book / Page	11048 / 410
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 09, 2023
Property Address	306 E ELGER ST, UNION BRIDGE, MD 21791-9186
Document Number	0110480410
Book / Page	11048 / 410
Map Reference	MB 1B FO 96
Instrument Date	May 31, 2023
Transaction Type	Transfer
Record Updated	Jun 29, 2023
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 E ELGER ST, UNION BRIDGE, MD 21791-9186

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110480417
Date	Jun 09, 2023
Instrument	11048-0417

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2053

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 01, 2023
Property Address	306 E ELGER ST, UNION BRIDGE, MD 21791-9186
Document Number	0109730177
Book / Page	10973 / 177
Map Reference	MB 1B FO 96
Instrument Date	Jan 24, 2023
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Amount	Amount Recorded
Tax	$1,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11103 PUTMAN RD, THURMONT, MD 21788-2748

December 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 29, 2022
Property Address	306 E ELGER ST, UNION BRIDGE, MD 21791-9186
Document Number	0109560136
Book / Page	10956 / 136
Map Reference	MB 1B FO 96
Instrument Date	Sep 15, 2022
Transaction Type	Foreclosure
Record Updated	Jan 26, 2023

Transaction

Amount	Amount Recorded
Tax	$1,290.28
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MORTGAGE WAY, MOUNT LAUREL, NJ 08054-4637

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$356,300 (+105.95%) Land $80,300 Building $276,000	$356,300 (+105.95%) Land $80,300 Building $276,000
2025	$4,399.00 (+71.84%)
2023	$2,560.00 (+32.3%)	$173,000 (+0.99%) Land $80,300 Building $92,700	$173,000 (-) Land $80,300 Building $92,700
2022	$1,935.00 Homeowner's exemption	$171,300	$173,000 Land $80,300 Building $92,700

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Oct 2012, tidal / storm surge, Hurricane Sandy

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Union Bridge Historic District listed 1994 · 251 contributing resources · NRIS 94000820

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 79 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Schurz Communications	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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