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4 E Elger St, Union Bridge, MD 21791 Property Records

Carroll County property record for 4 E Elger St, Union Bridge, MD 21791 · Last verified August 2026

Property Summary

Property TypeMixed Use Commercial Office / Residential
Details3 ba · 1,576 sqft · built 2024
Lot Size0.063 acres (2,744 sqft)
Owner2 Individual Names on File
Last Sale$20,000 (Nov 2023)
Tax Bill$4,359 (2025)
Deeds & MortgagesNov 2023 Sale
Dec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN12-004028

Property Details

APN / Parcel Number

Primary APN12-004028
Alternative APN
  • 004028

Interior

Full Baths3 Baths
Stories2 Stories
Building Area1,576 sqft Total Area

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area2,744 sqft (0.063 acres)
Garage TypeBuilt-in
Garage Area504 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number004028
Street Address4 E ELGER ST
CityUNION BRIDGE
StateMD
Zip21791-9169
Property CategoryCommercial
Property TypeCommercial > Office > Mixed Use Commercial Office / Residential
Legal DescriptionLT - 2744 SF 4 ELGER ST UNION BRIDGE
JurisdictionCARROLL MD
Township / Civil Division12, UNION BRIDGE
Census Block Group1
Census Block1035
Census Tract512000

Owner

Source: Carroll County records · APN 12-004028

Assessment roll updated August 5, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address2500 MARSTON RD, NEW WINDSOR, MD 21776-8704
Owner TypeIndividual
VestingEt Al (and Others)

Deeds, Mortgages & Sale History

DateDocument
Nov 28, 2023Deed, Transfer
REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMT & ESCROW L
Dec 18, 2020Grant Deed, Transfer · Conventional Mortgage
NWSB BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 28, 2023 · Amount on Record
Deed SaleNov 28, 2023 · Amount on Record
Prior SaleNov 08, 2001 · Amount on Record
Deed Book / Page11153 / 6
Record UpdatedSep 20, 2026

November 2023: Deed, Transfer

Document TypeDeed
JurisdictionCARROLL MD
Recording DateNov 28, 2023
Property Address4 E ELGER ST, UNION BRIDGE, MD 21791
Document Number0111530006
Book / Page11153 / 6
Instrument DateOct 31, 2023
Transaction TypeTransfer
Record UpdatedDec 13, 2023
Title CompanyREAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMT & ESCROW L

Transaction

AmountAmount Recorded
Tax$100.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2500 MARSTON RD, NEW WINDSOR, MD 21776-8704

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionCARROLL MD
Recording DateDec 18, 2020
Property Address4 E ELGER ST, UNION BRIDGE, MD 21791
Document Number0100060442
Book / Page010006 / 000442
Instrument DateNov 20, 2020
Transaction TypeTransfer
Record UpdatedJan 07, 2021
Title CompanyLAKESIDE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$190.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address4445 BARK HILL RD UNION BRIDGE MD 217919213, UNION BRIDGE, MD 21791-9213

Mortgage

Document Number100060449
DateDec 18, 2020
Book Page010006/000449
Lender
NameNWSB BK
AddressGETTYSBURG, PA 17325
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCarroll County
MunicipalityUnion Bridge Town
Unified School DistrictCarroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$308,600 (+585.78%) Land $50,000 Building $258,600$308,600 (+585.78%) Land $50,000 Building $258,600
2025$4,359.00 (+554.5%)
2023$666.00$45,000 Land $45,000$45,000 Land $45,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135120001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims1 (2012)
Most Recent ClaimOct 2012, tidal / storm surge, Hurricane Sandy

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Union Bridge Historic District
listed 1994 · 251 contributing resources · NRIS 94000820

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 245 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Schurz CommunicationsFiber5,000 / 5,000
XfinityCable2,000 / 250
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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