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

Carroll County property record for 514 Clear Ridge Rd, Union Bridge, MD 21791

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 1,950 sqft · built 1996
Lot Size2.36 acres (102,976 sqft)
Owner2 Individual Names on Record
Tax Bill$5,404 (2026)
Deeds & MortgagesJan 2022 Mortgage
Sep 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN02-020890

Property Details

APN / Parcel Number

Primary APN02-020890
Alternative APNs
  • 2020890
  • 020890

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,950 sqft Total Area
Basement Area850 sqft
Finished Basement850 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area102,976 sqft (2.36 acres)
Garage TypeDetached
Garage Area1,440 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area190 sqft
Deck Area348 sqft
Shed1 Shed
Shed Area1,080 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number020890
Street Address514 CLEAR RIDGE RD
CityUNION BRIDGE
StateMD
Zip21791-9033
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAGRIC
Legal DescriptionLT - 2.364 ACS 514 CLEAR RIDGE RD NR S/S MIDDLEBURG RD
Legal SubdivisionSHERLOCK HOLMES ESTATES
JurisdictionCARROLL MD
Township / Civil Division2, UNIONTOWN
Census Block Group1
Census Block1014
Census Tract502000

Owner

Source: Carroll County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address514 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9033
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 3, 2022Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Sep 14, 2018Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 21, 2011
Deed SaleOct 21, 2011
Prior SaleDec 10, 2010 · Amount on Record
Deed Document Number20116693/0458
Deed Book / Page6693 / 458
Transfer Doc0000952453
Record UpdatedOct 29, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARROLL MD
Property Address514 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9033
Transaction TypeMortgage
Record UpdatedSep 21, 2023
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address514 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9033

Mortgage

Document Number0106230416
DateJan 3, 2022
Book Page10623/416
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term321 Months
DueOct 1, 2048

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARROLL MD
Property Address514 CLEAR RIDGE RD, UNION BRIDGE, MD 21791-9033
Document Number0091300194
Instrument DateSep 14, 2018
Transaction TypeMortgage
Record UpdatedOct 9, 2018
Title CompanyTITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address514 CLEAR RIDGE RD UNION BRIDGE MD 217919033, UNION BRIDGE, MD 21791-9033

Mortgage

Document Number0091300194
DateSep 27, 2018
Book Page009130/000194
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 26, 2048

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCarroll County
Unified School DistrictCarroll County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,404.00 (+5.96%)$477,200 (+6.02%) Land $138,600 Building $338,600$477,200 (-) Land $138,600 Building $338,600
2025$5,100.00 (+14.02%)$450,100 (+13.69%)$477,200 (+20.54%) Land $138,600 Building $338,600
2023$4,473.00 (+6%)$395,900 (+5.99%) Land $138,600 Building $257,300$395,900 (-) Land $138,600 Building $257,300
2022$4,220.00$373,533$395,900 Land $138,600 Building $257,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2018)
Most Recent ClaimJul 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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 28 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
T-Mobile
Fixed Wireless		100 / 20

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