3445 Eastern Rd, Finksburg, MD 21048 Property Records

Carroll County property record for 3445 Eastern Rd, Finksburg, MD 21048

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,180 sqft · built 2018
Lot Size	1.02 acres (44,518 sqft)
Owner	2 Individual Names on Record
Last Sale	$501,804 (Feb 2019)
Tax Bill	$6,681 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-432556`

Property Details

APN / Parcel Number

Primary APN	`04-432556`
Alternative APN	`432556`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,180 sqft Total Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,518 sqft (1.02 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	58 sqft
Deck Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	432556
Street Address	3445 EASTERN RD
City	FINKSBURG
State	MD
Zip	21048-2258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 5 - 1.0218 ACS 3445 EASTERN RD 55-116 DEER TRAIL ESTATES
Legal Subdivision	DEER TRAIL ESTATES
Legal Lot Number	5
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	1
Census Block	1016
Census Tract	504201

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	3445 EASTERN RD, FINKSBURG, MD 21048-2258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 21, 2019	Deed, Transfer · ARM PEOPLES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2019 · Amount on Record
Deed Sale	Feb 21, 2019 · Amount on Record
Deed Book / Page	9227 / 378
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3445 EASTERN RD, FINKSBURG, MD 21048-2258
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101300031
Date	Feb 26, 2021
Book Page	10130/31

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 21, 2019
Property Address	3445 EASTERN RD, FINKSBURG, MD 21048-2258
Document Number	0092270378
Book / Page	9227 / 0378
Map Reference	MB 5 PG 116-117
Instrument Date	Jan 31, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3445 EASTERN RD, FINKSBURG, MD 21048-2258

Mortgage

Document Number	0009227384
Date	Feb 21, 2019
Instrument	9227/384

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

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	$6,681.00 (+4.64%) Homeowner's exemption	$595,733 (+14.82%)	$618,200 (+5.77%) Land $220,200 Building $398,000
2025	$6,385.00 (+8.92%) Homeowner's exemption
2023	$5,862.00 Homeowner's exemption	$518,833	$584,500 Land $200,200 Building $384,300

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 62 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
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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