Baltimore County property record for 4538 Mount Zion Rd, Upperco, MD 21155
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,164 sqft · built 1988 |
| Lot Size | 9.08 acres (395,525 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $30,000 (Jun 1981) |
| Tax Bill | $5,358 (2024) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2021 Mortgage + 2 more |
| APN | 05-0508001191 |
| Primary APN | 05-0508001191 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,164 sqft Living Area |
| 1st Floor Area | 1,730 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 395,525 sqft (9.08 acres) |
| Garage Type | Detached |
| Garage Area | 748 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 370 sqft |
| Shed | 1 Shed |
| Shed Area | 1,632 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 0508001191 |
|---|---|
| Street Address | 4538 MOUNT ZION RD |
| City | UPPERCO |
| State | MD |
| Zip | 21155-9369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 9.087 AC NS |
| Legal Block | 2 |
| Jurisdiction | BALTIMORE MD |
| Township / Civil Division | 5 |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 405000 |
4538 Mount Zion Rd is owned and occupied by two individuals who acquired it in November 2019.
Source: Baltimore County records, as of July 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4538 MOUNT ZION RD, UPPERCO, MD 21155-9369 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 7, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS AND MERCHANTS BANK |
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage POINT BREEZE CU |
| Nov 27, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Oct 22, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 1981 · Amount on File |
| Deed Sale | Jun 4, 1981 · Amount on File |
| Deed Book / Page | 6293 / 790 |
| Last Transfer Date | Nov 12, 2019 |
| Transfer Doc | 0421660028 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Recording Date | Apr 7, 2026 |
| Property Address | 4538 MOUNT ZION RD, UPPERCO, MD 21155-9369 |
| Document Number | 5117000073 |
| Book / Page | 51175 / 73 |
| Instrument Date | Mar 27, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FREESTATE TITLE CONSULTANTS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 4538 MOUNT ZION RD, UPPERCO, MD 21155-9369 |
| Document Number | 5117000073, |
|---|---|
| Date | Apr 7, 2026 |
| Book Page | 51175/73 |
| Name | FARMERS AND MERCHANTS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.44% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 4538 MOUNT ZION RD, UPPERCO, MD 21155-9369 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0445860220 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 44586/220 |
| Name | POINT BREEZE CU |
|---|---|
| Type | Credit Union |
| Address | HUNT VALLEY, MD 21031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Recording Date | Nov 27, 2019 |
| Property Address | 4538 MOUNT ZION RD, UPPERCO, MD 21155-9369 |
| Document Number | 0421660028 |
| Book / Page | 042166 / 000028 |
| Instrument Date | Nov 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4538 MOUNT ZION RD UPPERCO MD 211559369, UPPERCO, MD 21155-9369 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Recording Date | Oct 22, 2019 |
| Property Address | 4538 MOUNT ZION RD, UPPERCO, MD 21155-9369 |
| Document Number | 0420250112 |
| Book / Page | 042025 / 000112 |
| Instrument Date | Oct 8, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 4538 MOUNT ZION RD UPPERCO MD 211559369, UPPERCO, MD 21155-9369 |
Source: Baltimore County assessment roll, as of July 14, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Baltimore County |
| Unified School District | Baltimore County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $579,500 Land $151,100 Building $428,400 | $579,500 Land $151,100 Building $428,400 | |
| 2024 | $5,358.00 (+107.59%) | ||
| 2023 | $2,581.00 Homeowner's exemption | $510,033 | $579,500 Land $151,100 Building $428,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 4538 Mount Zion Rd; there have been 3 flood claims nearby since 2011.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (2011–2018) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Jul 2018 · other causes |
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 risk around 4538 Mount Zion Rd is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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