Carroll County property record for 3533 Emory Rd N, Upperco, MD 21155
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,148 sqft · built 1976 |
| Lot Size | 3.87 acres (168,577 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,249 (2025) |
| Deeds & Mortgages | Apr 2024 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-036506 |
| Primary APN | 04-036506 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,148 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 168,577 sqft (3.87 acres) |
| Garage Type | Mixed |
| Garage Area | 192 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 768 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 036506 |
|---|---|
| Street Address | 3533 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. 3.875 AC S OF EMORY RD. NE OF LAWNDALE |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 4, WOOLERYS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 504100 |
Source: Carroll County records, as of August 18, 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 Record |
|---|---|
| Mailing Address | 3533 EMORY RD N, UPPERCO, MD 21155-9608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3533 EMORY RD N, UPPERCO, MD 21155-9608 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2024 |
| Title Company | NEWLYN TITLE ASSURANCE COMPANY INC, NEWLYN TTL ASSURANCE CO INC |
| Name | Verified Name |
|---|---|
| Address | 3533 EMORY RD N, UPPERCO, MD 21155-9608 |
| Document Number | 0112340125 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 11234/125 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 906 Months |
| Due | Oct 11, 2099 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.84% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2024 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 12.8% |
Source: Carroll County assessment roll, as of August 5, 2025
| 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 | $346,800 (+16.04%) | $358,000 (+4.92%) Land $204,300 Building $153,700 | |
| 2025 | $2,249.00 (-33.4%) Homeowner's exemption | ||
| 2023 | $3,377.00 Homeowner's exemption | $298,867 | $341,200 Land $184,300 Building $156,900 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
| T-Mobile Fixed Wireless | 25 / 3 |
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