5398 Thames Ct, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 5398 Thames Ct, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,192 sqft · built 1991
Lot Size	1.06 acres (46,174 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Dec 2021)
Tax Bill	$5,983 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-068975`

Property Details

APN / Parcel Number

Primary APN	`05-068975`
Alternative APNs	`5068975` `068975`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,192 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	46,174 sqft (1.06 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	468 sqft
Deck Area	470 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	068975
Street Address	5398 THAMES CT
City	SYKESVILLE
State	MD
Zip	21784-8807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 7- 1.0646 AC 5398 THAMES CT 32-176 HAMMONDS ESTATES SEC 1
Legal Subdivision	HAMMONDS ESTATES
Legal Lot Number	7
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	1
Census Block	1014
Census Tract	505101

Owner

5398 Thames Ct is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	5398 THAMES CT, SYKESVILLE, MD 21784-8807
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021 · Amount on File
Deed Sale	Dec 30, 2021 · Amount on File
Prior Sale	Jun 13, 1991 · Amount on File
Deed Book / Page	10621 / 469
Prior Transfer Date	Dec 14, 2021
Prior Transfer Doc	0106210469
Record Updated	Oct 29, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 30, 2021
Property Address	5398 THAMES CT, SYKESVILLE, MD 21784-8807
Document Number	0106210469
Book / Page	10621 / 469
Map Reference	MB 32 PG 176
Instrument Date	Dec 14, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	OLD LINE TITLE COMPANY INC

Transaction

Amount	Amount 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	Tenants in Severalty
Address	5398 THAMES CT, SYKESVILLE, MD 21784-8807

Mortgage

Document Number	0010621476
Date	Dec 30, 2021
Instrument	10621/476

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 5398 Thames Ct was $5,983 with a homeowner's exemption, up 5.4% from the year before.

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	$5,983.00 (+5.35%) Homeowner's exemption	$585,900 (+11.45%)	$646,100 (-) Land $200,600 Building $445,500
2025	$5,679.00 Homeowner's exemption	$525,700	$646,100 Land $200,600 Building $445,500
2023	$5,173.00	$457,833	$465,500 Land $200,600 Building $264,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5398 Thames Ct in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 5398 Thames Ct 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FREEDOM DISTRICT serves 24,867 people · EPA ID MD0060002
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2019 Haloacetic acids resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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