Carroll County property record for 5 W Thomas St, Union Bridge, MD 21791
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,560 sqft · built 1944 |
| Lot Size | 0.1 acres (4,360 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $110,000 (Jan 2018) |
| Tax Bill | $1,995 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Jul 2020 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-004052 |
| Primary APN | 12-004052 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,560 sqft Total Area |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 4,360 sqft (0.1 acres) |
| Porch | Slab |
| Porch Area | 72 sqft |
| Deck Area | 160 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 004052 |
|---|---|
| Street Address | 5 W THOMAS ST |
| City | UNION BRIDGE |
| State | MD |
| Zip | 21791-9054 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-600 |
| Legal Description | LT - 4360 SF 5 W THOMAS ST UNION BRIDGE |
| Legal Subdivision | UNION BRIDGE |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 12, UNION BRIDGE |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 512000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within 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.
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 | Individual Name on Record |
|---|---|
| Mailing Address | 5 W THOMAS ST, UNION BRIDGE, MD 21791-9054 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 21, 2020 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Jan 3, 2018 | Special Warranty Deed, Transfer · Conventional Mortgage AMERTSAVE MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2018 · Amount on Record |
| Deed Sale | Jan 3, 2018 · Amount on Record |
| Prior Sale | Oct 29, 2008 · Amount on Record |
| Deed Document Number | 20188906-0228 |
| Deed Book / Page | 8906 / 228 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 5 W THOMAS ST, UNION BRIDGE, MD 21791 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5 W THOMAS ST, UNION BRIDGE, MD 21791 |
| Document Number | 0107670455 |
|---|---|
| Date | May 6, 2022 |
| Book Page | 10767/455 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 5 W THOMAS ST, UNION BRIDGE, MD 21791 |
| Document Number | 0098760103 |
| Instrument Date | Jul 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 5 W THOMAS ST UNION BRIDGE MD 21791, UNION BRIDGE, MD 21791 |
| Document Number | 0098760103 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 009876/000103 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Sep 30, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 3, 2018 |
| Property Address | 5 W THOMAS ST, UNION BRIDGE, MD 21791 |
| Document Number | 0089060228 |
| Book / Page | 8906 / 0228 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 8906-0228 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | SOLIDIFI TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 94, GUILD, TN 37340-0094 |
| Name | Verified Name |
|---|---|
| Address | 5 W THOMAS ST, UNION BRIDGE, MD 21791 |
| Document Number | 0089060232 |
|---|---|
| Date | Jan 3, 2018 |
| Instrument | 8906-0232 |
| Name | AMERTSAVE MORTGAGE CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 1, 2047 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Union Bridge Town |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,995.00 (+7.09%) | $135,700 (+24.72%) Land $40,000 Building $95,700 | $135,700 (+24.72%) Land $40,000 Building $95,700 |
| 2025 | $1,863.00 (+15.71%) | ||
| 2023 | $1,610.00 (+32.4%) | $108,800 (+1.05%) Land $40,000 Building $68,800 | $108,800 (-) Land $40,000 Building $68,800 |
| 2022 | $1,216.00 | $107,667 | $108,800 Land $40,000 Building $68,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2012) |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF UNION BRIDGE serves 997 people · EPA ID MD0060013 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures