3446 Eastern Rd, Finksburg, MD 21048 Property Records

Carroll County property record for 3446 Eastern Rd, Finksburg, MD 21048

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,347 sqft · built 2019
Lot Size	1.01 acres (44,039 sqft)
Owner	2 Company Names on Record
Last Sale	$632,649 (Dec 2018)
Tax Bill	$7,777 (2026)
Deeds & Mortgages	Nov 2023 Transfer Jun 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04-432557`

Property Details

APN / Parcel Number

Primary APN	`04-432557`
Alternative APN	`432557`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,347 sqft Total Area
Basement Area	1,252 sqft
Finished Basement	1,252 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,039 sqft (1.01 acres)
Garage Type	Attached
Garage Area	544 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	129 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	432557
Street Address	3446 EASTERN RD
City	FINKSBURG
State	MD
Zip	21048-2259
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 6 - 1.0113 ACS 3446 EASTERN RD 55-261 DEER TRAIL ESTS 2 55-261
Legal Subdivision	DEER TRAIL ESTATES
Legal Lot Number	6
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 Company Names on Record
Mailing Address	3446 EASTERN RD, FINKSBURG, MD 21048-2259
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Intrafamily Transfer, Transfer
Jun 25, 2021	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage SWBC MORTGAGE CORP
Sep 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Apr 19, 2019	Loan Modification, Mortgage COLUMBIA BK
Dec 6, 2018	Deed, Construction Loan · Construction Mortgage THE COLUMBIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2018 · Amount on Record
Deed Sale	Dec 6, 2018 · Amount on Record
Deed Book / Page	9179 / 357
Last Transfer Date	Oct 3, 2023
Transfer Doc	0111450282
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Nov 13, 2023
Property Address	3446 EASTERN RD, FINKSBURG, MD 21048-2259
Document Number	0111450282
Book / Page	11145 / 282
Map Reference	MB 55 PG 116-117
Instrument Date	Oct 3, 2023
Transaction Type	Transfer
Record Updated	Nov 27, 2023

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	Revocable Trust
Address	3446 EASTERN RD, FINKSBURG, MD 21048-2259

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3446 EASTERN RD, FINKSBURG, MD 21048-2259
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103430253
Date	Jun 25, 2021
Book Page	10343/253

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3446 EASTERN RD, FINKSBURG, MD 21048-2259
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103430231
Date	Jun 25, 2021
Book Page	10343/231

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company
Address	SAN ANTONIO, TX 78216

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 10, 2019
Property Address	3446 EASTERN RD, FINKSBURG, MD 21048-2259
Document Number	0094050001
Book / Page	009405 / 000001
Instrument Date	Aug 9, 2019
Transaction Type	Transfer
Record Updated	Sep 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6449 OTHELLO DR ELDERSBURG MD 217846273, ELDERSBURG, MD 21784-6273

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARROLL MD
Property Address	3446 EASTERN RD, FINKSBURG, MD 21048-2259
Document Number	0093600478
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3446 EASTERN RD FINKSBURG MD 21048, FINKSBURG, MD 21048

Mortgage

Document Number	0093600478
Date	Jul 31, 2019
Book Page	009360/000478

Lender

Name	COLUMBIA BK
Type	Bank
Address	VIRGINIA BEACH, VA 23462

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2049

Interest

Rate Type	Adjustable Rate

December 2018: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 6, 2018
Property Address	3446 EASTERN RD, FINKSBURG, MD 21048-2259
Document Number	0091790357
Book / Page	9179 / 0357
Map Reference	MB55 PG116-117
Instrument Date	Nov 29, 2018
Transaction Type	Construction Loan
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	6449 OTHELLO DR, ELDERSBURG, MD 21784-6273

Mortgage

Document Number	0009179363
Date	Dec 6, 2018
Instrument	9179/363

Lender

Name	THE COLUMBIA BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	370 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.5%
Type Change Date	Oct 1, 2034
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Max Rate	10.5%

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	$7,777.00 (+4.61%) Homeowner's exemption	$715,033 (+1.71%)	$739,100 (+5.14%) Land $220,100 Building $519,000
2025	$7,434.00 (+5.21%) Homeowner's exemption	$703,000 (+12.42%) Land $200,100 Building $502,900	$703,000 (-) Land $200,100 Building $502,900
2023	$7,066.00 Homeowner's exemption	$625,333	$703,000 Land $200,100 Building $502,900

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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