312 E Broadway St, Union Bridge, MD 21791 Property Records

Carroll County property record for 312 E Broadway St, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,150 sqft · built 1981
Lot Size	0.358 acres (15,600 sqft)
Owner	Individual Name on File
Last Sale	$312,000 (May 2026)
Tax Bill	$2,552 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-007132`

Property Details

APN / Parcel Number

Primary APN	`12-007132`
Alternative APN	`007132`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,150 sqft Total Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,600 sqft (0.358 acres)
Garage Type	Detached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	324 sqft
Shed	1 Shed
Shed Area	1,040 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	007132
Street Address	312 E BROADWAY ST
City	UNION BRIDGE
State	MD
Zip	21791-9147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-600
Legal Description	LT 1A - 0.358 AC S/S E BROADWAY PLT 24-55 UNION BRIDGE RESUB
Legal Subdivision	BEULAH LAND
Legal Lot Number	1A
Jurisdiction	CARROLL MD
Township / Civil Division	12, UNION BRIDGE
Census Block Group	1
Census Block	1066
Census Tract	512000

Owner

Source: Carroll County records · APN 12-007132

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	Individual Name on File
Mailing Address	312 E BROADWAY ST, UNION BRIDGE, MD 21791-9147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 08, 2026 · Amount on Record
Deed Sale	May 08, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	11758 / 313
Record Updated	Sep 20, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 08, 2026
Property Address	312 E BROADWAY ST, UNION BRIDGE, MD 21791-9147
Document Number	1175000313
Book / Page	11758 / 313
Instrument Date	Apr 30, 2026
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$315,120.00
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	Joint Tenants
Address	312 E BROADWAY ST, UNION BRIDGE, MD 21791-9147

Mortgage

Document Number	1175000321,
Date	May 08, 2026
Book Page	11758/321

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6.38%
Max Rate	-1%

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$204,900 (+4.81%) Land $78,500 Building $126,400	$204,900 (-) Land $78,500 Building $126,400
2025	$2,552.00 (-2.41%) Homeowner's exemption	$195,500 (+10.64%)	$204,900 (+15.96%) Land $78,500 Building $126,400
2023	$2,615.00 Homeowner's exemption	$176,700 Land $78,500 Building $98,200	$176,700 Land $78,500 Building $98,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 11, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

Wildfire

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 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 as of August 1, 2026 · 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Schurz Communications Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 79 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF UNION BRIDGE serves 997 people
Water Source	Groundwater influenced by surface water
Last State Inspection	Apr 2025
Lead	4 ppb (2022–2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.