404 Duncan Ln, Hampstead, MD 21074 Property Records

Carroll County property record for 404 Duncan Ln, Hampstead, MD 21074

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,008 sqft · built 1987
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Dec 2018)
Tax Bill	$4,980 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-039909`

Property Details

APN / Parcel Number

Primary APN	`08-039909`
Alternative APNs	`8039909` `039909`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,008 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	53,143 sqft (1.22 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	64 sqft
Deck Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	039909
Street Address	404 DUNCAN LN
City	HAMPSTEAD
State	MD
Zip	21074-1741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 8 - 1.22 ACS DUNCAN LANE 27-20 DUNCANS HILL SEC 2
Legal Subdivision	DUNCANS HILL
Legal Lot Number	8
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	2
Census Block	2001
Census Tract	508200

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	404 DUNCAN LN, HAMPSTEAD, MD 21074-1741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2019	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HM LOANS
Dec 4, 2018	Grant Deed, Transfer · FHA Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2018 · Amount on Record
Deed Sale	Dec 4, 2018 · Amount on Record
Prior Sale	Dec 8, 1998 · Amount on Record
Deed Book / Page	9178 / 103
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	404 DUNCAN LN, HAMPSTEAD, MD 21074-1741
Document Number	0093880387
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 DUNCAN LN HAMPSTEAD MD 210741741, HAMPSTEAD, MD 21074-1741

Mortgage

Document Number	0093880387
Date	Aug 27, 2019
Book Page	009388/000387

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 4, 2018
Property Address	404 DUNCAN LN, HAMPSTEAD, MD 21074-1741
Document Number	0091780103
Book / Page	009178 / 000103
Instrument Date	Nov 27, 2018
Transaction Type	Transfer
Record Updated	Dec 19, 2018
Title Company	RGS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	404 DUNCAN LN HAMPSTEAD MD 210741741, HAMPSTEAD, MD 21074-1741

Mortgage

Document Number	91780108
Date	Dec 4, 2018
Book Page	009178/000108

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2048

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	$4,980.00 (+5.49%)	$439,333 (+15.9%)	$485,600 (+16.67%) Land $202,200 Building $283,400
2025	$4,721.00 (+10.23%)
2023	$4,283.00	$379,067	$416,200 Land $142,200 Building $274,000

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 · 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	2 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2005 · tidal / storm surge

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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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