421 Clear Ridge Rd, Union Bridge, MD 21791 Property Records

Carroll County property record for 421 Clear Ridge Rd, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,440 sqft · built 1999
Lot Size	3.36 acres (146,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$411,000 (Sep 2021)
Tax Bill	$4,224 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-021374`

Property Details

APN / Parcel Number

Primary APN	`02-021374`
Alternative APNs	`2021374` `021374`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,440 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	146,362 sqft (3.36 acres)
Deck Area	192 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	021374
Street Address	421 CLEAR RIDGE RD
City	UNION BRIDGE
State	MD
Zip	21791-9038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 3.36 ACS 421 CLEAR RIDGE RD
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	1
Census Block	1021
Census Tract	502000

Owner

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	2 Individual Names on Record
Mailing Address	421 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 30, 2020	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Dec 31, 2019	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Sep 20, 2021	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Jun 29, 2018	Deed, Transfer · VA Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Prior Sale	Jun 29, 2018 · Amount on Record
Deed Book / Page	10457 / 346
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	421 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9038
Transaction Type	Mortgage
Record Updated	Dec 2, 2025
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116190243
Date	Nov 18, 2025
Book Page	11619/243

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	421 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9038
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100210475
Date	Dec 30, 2020
Book Page	10021/475

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	421 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9038
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SAGE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095220256
Date	Dec 31, 2019
Book Page	9522/0256

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 20, 2021
Property Address	421 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9038
Document Number	0104570346
Book / Page	10457 / 346
Instrument Date	Sep 2, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	421 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9038

Mortgage

Document Number	0010457352
Date	Sep 20, 2021
Instrument	10457/352

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 29, 2018
Property Address	421 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9038
Document Number	0090570001
Book / Page	9057 / 0001
Instrument Date	Jun 28, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIRST CLASS TITLE INC

Transaction

Amount	Amount Recorded
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
Address	421 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9038

Mortgage

Document Number	0000905710
Date	Jun 29, 2018
Instrument	9057/10

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$412,200 (+41.65%) Land $146,800 Building $265,400	$412,200 (+41.65%) Land $146,800 Building $265,400
2025	$4,224.00 (+28.47%) Homeowner's exemption
2023	$3,288.00	$291,000 Land $146,800 Building $144,200	$291,000 Land $146,800 Building $144,200

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 (2018)
Most Recent Claim	Jul 2018 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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