308 Clear Ridge Rd, Union Bridge, MD 21791 Property Records

Carroll County property record for 308 Clear Ridge Rd, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,856 sqft · built 1850
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (May 2026)
Tax Bill	$3,133 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-005069`

Property Details

APN / Parcel Number

Primary APN	`02-005069`
Alternative APNs	`2005069` `005069`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,856 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Siding
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	196 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	005069
Street Address	308 CLEAR RIDGE RD
City	UNION BRIDGE
State	MD
Zip	21791-9010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 1.00 AC 308 CLEAR RIDGE RD CLEAR RIDGE
Legal Subdivision	CLEAR RIDGE
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	1
Census Block	1014
Census Tract	502000

Owner

Source: Carroll County records, as of August 18, 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	16441 WOODSIDE DR, REISTERSTOWN, MD 21136
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Aug 30, 2021	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Sep 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Aug 30, 2021 · Amount on Record
Deed Book / Page	11763 / 479
Prior Transfer Date	Sep 8, 2020
Prior Transfer Doc	0098650059
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 15, 2026
Property Address	308 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9010
Document Number	1176000479
Book / Page	11763 / 479
Instrument Date	Apr 30, 2026
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	1176000485,
Date	May 15, 2026
Book Page	11763/485

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	308 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9010
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096830155
Date	May 20, 2020
Book Page	9683/155

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 30, 2021
Property Address	308 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9010
Document Number	0104290460
Book / Page	10429 / 460
Instrument Date	Aug 23, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	PRESTIGE TITLE AND ESCROW, PRESTIGE TITLE AND ESCROW LL

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 in Severalty
Address	308 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9010

Mortgage

Document Number	0010429466
Date	Aug 30, 2021
Instrument	10429/466

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Sep 24, 2020
Property Address	308 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9010
Document Number	0098650059
Book / Page	9865 / 59
Instrument Date	Sep 8, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SWAN TITLE CORPORATION

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 in Severalty
Address	308 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9010

Mortgage

Document Number	0000986565
Date	Sep 24, 2020
Instrument	9865/65

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$294,000 (+7.13%) Land $125,000 Building $169,000	$294,000 (-) Land $125,000 Building $169,000
2025	$3,133.00 (+17.87%)	$274,433 (+16.63%)	$294,000 (+24.95%) Land $125,000 Building $169,000
2023	$2,658.00	$235,300 Land $125,000 Building $110,300	$235,300 Land $125,000 Building $110,300

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	1 (2018)
Most Recent Claim	Jul 2018 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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