Carroll County property record for 3525 Emory Rd N, Upperco, MD 21155
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,172 sqft · built 2018 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Dec 2017) |
| Tax Bill | $6,694 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Dec 2017 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-080262 |
| Primary APN | 04-080262 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,172 sqft Total Area |
| Basement Area | 1,685 sqft |
| Finished Basement | 1,685 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 72 sqft |
| Deck Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 080262 |
|---|---|
| Street Address | 3525 EMORY RD N |
| City | UPPERCO |
| State | MD |
| Zip | 21155-9608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CONSE |
| Legal Description | LT - 3.00 ACS 3525 EMORY RD N |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 4, WOOLERYS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 504100 |
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 | 3525 EMORY RD N, UPPERCO, MD 21155-9608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Dec 12, 2017 | Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2017 · Amount on Record |
| Deed Sale | Dec 12, 2017 · Amount on Record |
| Deed Document Number | 20178888-0472 |
| Deed Book / Page | 8888 / 472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3525 EMORY RD N, UPPERCO, MD 21155-9608 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | R & P SETTLEMENT GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0099040172 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 9904/172 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 12, 2017 |
| Property Address | 3525 EMORY RD N, UPPERCO, MD 21155-9608 |
| Document Number | 0088880472 |
| Book / Page | 8888 / 0472 |
| Instrument Date | Nov 30, 2017 |
| Instrument | 8888-0472 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 11, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 22 FARM GATE WAY, REISTERSTOWN, MD 21136-1125 |
| Document Number | 0088880483 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 8888-0483 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Dec 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Dec 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
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 | $6,694.00 (+5.47%) Homeowner's exemption | $655,833 (+11.67%) | $792,900 (+35.01%) Land $200,000 Building $592,900 |
| 2025 | $6,347.00 (+8.57%) Homeowner's exemption | $587,300 (+13.5%) Land $180,000 Building $407,300 | $587,300 (-) Land $180,000 Building $407,300 |
| 2023 | $5,846.00 Homeowner's exemption | $517,433 | $587,300 Land $180,000 Building $407,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
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.
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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
| BridgeMAXX Suncoast Broadband Fixed Wireless | 10 / 1 |
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