Carroll County property record for 3102 Stetson Dr, Finksburg, MD 21048
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,368 sqft · built 1993 |
| Lot Size | 1.82 acres (79,279 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $75,000 (Dec 1992) |
| Tax Bill | $5,519 (2026) |
| Deeds & Mortgages | Mar 2024 Transfer Jun 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-066383 |
| Primary APN | 04-066383 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,368 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 79,279 sqft (1.82 acres) |
| Garage Type | Mixed |
| Garage Area | 1,684 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 418 sqft |
| Deck Area | 240 sqft |
| Patio Area | 563 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 066383 |
|---|---|
| Street Address | 3102 STETSON DR |
| City | FINKSBURG |
| State | MD |
| Zip | 21048-2088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-400 |
| Legal Description | LT 2- 1.8281 ACS 3102 STETSON DR 36-65 WHITNEY ESTATES |
| Legal Subdivision | WHITNEY ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 4, WOOLERYS |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 504201 |
3102 Stetson Dr is owner-occupied and held in a trust since March 2024.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3102 STETSON DR, FINKSBURG, MD 21048-2088 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 25, 2024 | Intrafamily Transfer, Transfer |
| Jun 24, 2020 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK & TRUST CO |
| Oct 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage M&T BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 1992 · Amount on File |
| Deed Sale | Dec 22, 1992 · Amount on File |
| Deed Book / Page | 1414 / 571 |
| Last Transfer Date | Mar 14, 2024 |
| Transfer Doc | 0112130223 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Mar 25, 2024 |
| Property Address | 3102 STETSON DR, FINKSBURG, MD 21048-2088 |
| Document Number | 0112130223 |
| Book / Page | 11213 / 223 |
| Map Reference | MB 36 FO 65 |
| Instrument Date | Mar 14, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 3102 STETSON DR, FINKSBURG, MD 21048-2088 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3102 STETSON DR, FINKSBURG, MD 21048-2088 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|
| Document Number | 0097330001 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 9733/1 |
| Name | MANUFACTURERS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3102 STETSON DR, FINKSBURG, MD 21048-2088 |
| Document Number | 0099410273 |
| Instrument Date | Oct 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2020 |
| Title Company | OMNI LAND SETTLEMENT CORPORATION, OMNI LAND SETTLEMENT CORP |
| Name | Verified Name |
|---|---|
| Address | 3102 STETSON DR FINKSBURG MD 210482088, FINKSBURG, MD 21048-2088 |
| Document Number | 0099410273 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 009941/000273 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 9, 2050 |
The 2026 property tax bill for 3102 Stetson Dr was $5,519 with a homeowner's exemption, up 5.5% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,519.00 (+5.51%) Homeowner's exemption | $595,033 (+5.82%) | $660,500 (+17.46%) Land $208,200 Building $452,300 |
| 2025 | $5,231.00 Homeowner's exemption | $562,300 Land $168,200 Building $394,100 | $562,300 Land $168,200 Building $394,100 |
| 2023 | $5,078.00 Homeowner's exemption | $449,433 | $562,300 Land $168,200 Building $394,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3102 Stetson Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1980.
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 | 4 (1980–2018) |
| Most Recent Claim | Jul 2018 · river or lake flooding |
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 risk around 3102 Stetson Dr 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 83 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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