3159 High St, Manchester, MD 21102 Property Records

Carroll County property record for 3159 High St, Manchester, MD 21102

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1.5 ba · 1,170 sqft · built 1947
Lot Size	0.125 acres (5,445 sqft)
Owner	2 Individual Names on Record
Last Sale	$176,000 (Jul 2004)
Tax Bill	$2,205 (2026)
Deeds & Mortgages	Aug 2022 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-038387`

Property Details

APN / Parcel Number

Primary APN	`06-038387`
Alternative APNs	`6038387` `038387`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,170 sqft Total Area

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	5,445 sqft (0.125 acres)
Porch	Slab
Porch Area	24 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	038387
Street Address	3159 HIGH ST
City	MANCHESTER
State	MD
Zip	21102-1983
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	BL
Legal Description	LT 43- 5445 SQ FT S/S HIGH ST 14-35 MANCHESTER
Legal Subdivision	TOWN OF
Legal Lot Number	43
Jurisdiction	CARROLL MD
Township / Civil Division	6, MANCHESTER
Census Block Group	2
Census Block	2007
Census Tract	506102

Owner

Source: Carroll County records, as of October 20, 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	3159 HIGH ST, MANCHESTER, MD 21102-1983
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
May 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2004 · Amount on Record
Deed Sale	Jul 26, 2004 · Amount on Record
Prior Sale	May 6, 1986 · Amount on Record
Deed Document Number	200440271
Deed Book / Page	4080 / 123
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3159 HIGH ST, MANCHESTER, MD 21102-1983
Transaction Type	Mortgage
Record Updated	Sep 7, 2022
Title Company	INTITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108580255
Date	Aug 18, 2022
Book Page	10858/255

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3159 HIGH ST, MANCHESTER, MD 21102-1983
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0086960206
Date	May 24, 2017
Book Page	8696/0206
Instrument	8696-0206

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

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	$2,205.00 (+4.65%) Homeowner's exemption	$165,067 (+14.82%)	$179,800 (+14.01%) Land $51,500 Building $128,300
2025	$2,107.00 (+8.89%) Homeowner's exemption
2023	$1,935.00 Homeowner's exemption	$143,767	$157,700 Land $51,500 Building $106,200

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
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

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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