522 Key Heights Rd, Union Bridge, MD 21791 Property Records

Carroll County property record for 522 Key Heights Rd, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,334 sqft · built 1966
Lot Size	0.46 acres (20,037 sqft)
Owner	Individual Name on Record
Last Sale	$239,900 (Feb 2019)
Tax Bill	$3,244 (2026)
Deeds & Mortgages	Aug 2023 Mortgage May 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02-003309`

Property Details

APN / Parcel Number

Primary APN	`02-003309`
Alternative APNs	`2003309` `003309`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,334 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,037 sqft (0.46 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	85 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	003309
Street Address	522 KEY HEIGHTS RD
City	UNION BRIDGE
State	MD
Zip	21791-9208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 9 - 20037 SF 522 KEY HEIGHTS RD 5-27 KEY HEIGHTS
Legal Subdivision	KEY HEIGHTS
Legal Lot Number	9
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	1
Census Block	1014
Census Tract	502000

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	Individual Name on Record
Mailing Address	522 KEY HEIGHTS RD, UNION BRIDGE, MD 21791-9208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
May 31, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 7, 2019	Deed of Trust, Mortgage · FHA Mortgage WEST TOWN BK&TR
Feb 22, 2019	Grant Deed, Transfer · FHA Mortgage WEST TOWN BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2019 · Amount on Record
Deed Sale	Feb 22, 2019 · Amount on Record
Deed Book / Page	9228 / 335
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	522 KEY HEIGHTS RD, UNION BRIDGE, MD 21791-9208
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 KEY HEIGHTS RD, UNION BRIDGE, MD 21791-9208

Mortgage

Document Number	0111030075
Date	Aug 29, 2023
Book Page	11103/75

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Aug 1, 2051

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	522 KEY HEIGHTS RD, UNION BRIDGE, MD 21791-9208
Transaction Type	Mortgage
Record Updated	Jun 20, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 KEY HEIGHTS RD, UNION BRIDGE, MD 21791-9208

Mortgage

Document Number	0110410023
Date	May 31, 2023
Book Page	11041/23

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Aug 1, 2051

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	522 KEY HEIGHTS RD, UNION BRIDGE, MD 21791-9208
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FORT SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	B, B

Mortgage

Document Number	0103790001
Date	Jul 27, 2021
Book Page	10379/1

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	522 KEY HEIGHTS RD, UNION BRIDGE, MD 21791-9208
Document Number	0094460416
Instrument Date	Oct 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 30, 2019
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6522 KEY HEIGHTS RD UNION BRIDGE MD 21791, UNION BRIDGE, MD 21791

Mortgage

Document Number	0094460416
Date	Oct 17, 2019
Book Page	009446/000416

Lender

Name	WEST TOWN BK&TR
Address	RALEIGH, NC 27615

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 22, 2019
Property Address	522 KEY HEIGHTS RD, UNION BRIDGE, MD 21791-9208
Document Number	0092280335
Book / Page	009228 / 000335
Instrument Date	Feb 15, 2019
Transaction Type	Transfer
Record Updated	Mar 4, 2019
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	522 KEY HEIGHTS RD UNION BRIDGE MD 217919208, UNION BRIDGE, MD 21791-9208

Mortgage

Document Number	92280342
Date	Feb 22, 2019
Book Page	009228/000342

Lender

Name	WEST TOWN BK&TR
Address	RALEIGH, NC 27615

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 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	$3,244.00 (+6.57%)	$284,300 (+23.13%) Land $85,000 Building $199,300	$284,300 (+23.13%) Land $85,000 Building $199,300
2025	$3,044.00 (+16.67%)
2023	$2,609.00	$230,900 Land $85,000 Building $145,900	$230,900 Land $85,000 Building $145,900

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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

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

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