405 Duncan Ln, Hampstead, MD 21074 Property Records

Carroll County property record for 405 Duncan Ln, Hampstead, MD 21074

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,992 sqft · built 1986
Lot Size	1.67 acres (72,745 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (May 2019)
Tax Bill	$4,922 (2026)
Deeds & Mortgages	Jun 2020 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-039887`

Property Details

APN / Parcel Number

Primary APN	`08-039887`
Alternative APNs	`8039887` `039887`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,992 sqft Total Area
Basement Area	408 sqft
Finished Basement	408 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	72,745 sqft (1.67 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	672 sqft
Deck Area	850 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	039887
Street Address	405 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 6 - 1.67 ACS 405 DUNCAN LN 27-20 DUNCAN HILL SEC 2
Legal Subdivision	DUNCANS HILL SUBDIVISION
Legal Lot Number	6
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	405 DUNCAN LN, HAMPSTEAD, MD 21074-1741
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 17, 2019	Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2019 · Amount on Record
Deed Sale	May 17, 2019 · Amount on Record
Prior Sale	Mar 18, 2008
Deed Book / Page	9293 / 277
Prior Transfer Date	Feb 20, 2008
Prior Transfer Doc	0054840707
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	405 DUNCAN LN, HAMPSTEAD, MD 21074-1741
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097430202
Date	Jun 29, 2020
Book Page	9743/202

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 17, 2019
Property Address	405 DUNCAN LN, HAMPSTEAD, MD 21074-1741
Document Number	0092930277
Book / Page	9293 / 0277
Map Reference	MB 27 FO 20
Instrument Date	May 16, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY

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	405 DUNCAN LN, HAMPSTEAD, MD 21074-1741

Mortgage

Document Number	0009293283
Date	May 17, 2019
Instrument	9293/283

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$4,922.00 (+4.99%) Homeowner's exemption	$442,467 (+5.47%)	$488,400 (+16.42%) Land $206,700 Building $281,700
2025	$4,688.00 (+8.57%) Homeowner's exemption	$419,500 (+9.77%) Land $146,700 Building $272,800	$419,500 (-) Land $146,700 Building $272,800
2023	$4,318.00 Homeowner's exemption	$382,167	$419,500 Land $146,700 Building $272,800

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Quantum Internet & Telephone, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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