5603 Gera Way, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 5603 Gera Way, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,460 sqft · built 2000
Lot Size	0.386 acres (16,812 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Mar 2018)
Tax Bill	$7,670 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-051414`

Property Details

APN / Parcel Number

Primary APN	`14-051414`
Alternative APN	`051414`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,460 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,812 sqft (0.386 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	892 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	051414
Street Address	5603 GERA WAY
City	SYKESVILLE
State	MD
Zip	21784-8941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 4 - 0.39 AC 5603 GERA WAY 43-39/36 SUMNERS HOLLOW SC 1
Legal Subdivision	SUMNERS HOLLOW SEC 01
Legal Lot Number	4
Jurisdiction	CARROLL MD
Township / Civil Division	14, BERRETT
Census Block Group	1
Census Block	1008
Census Tract	514100

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	2 Individual Names on Record
Mailing Address	5603 GERA WAY, SYKESVILLE, MD 21784-8941
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Line of Credit NYMEO FCU
Mar 26, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2018 · Amount on Record
Deed Sale	Mar 26, 2018 · Amount on Record
Prior Sale	Jun 8, 2016 · Amount on Record
Deed Book / Page	8970 / 359
Prior Transfer Date	Jun 3, 2016
Prior Transfer Doc	0083330192
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	5603 GERA WAY, ELDERSBURG, MD 21784-8941
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102330395
Date	Apr 26, 2021
Book Page	10233/395

Lender

Name	NYMEO FCU
Type	Credit Union
Address	FREDERICK, MD 21703

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 26, 2018
Property Address	5603 GERA WAY, ELDERSBURG, MD 21784-8941
Document Number	0089700359
Book / Page	008970 / 000359
Instrument Date	Feb 16, 2018
Transaction Type	Transfer
Record Updated	Apr 5, 2018
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5603 GERA WAY ELDERSBURG MD 217848941, ELDERSBURG, MD 21784-8941

Mortgage

Document Number	89700367
Date	Mar 26, 2018
Book Page	008970/000367

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2048

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	$7,670.00 (+4.95%) Homeowner's exemption	$679,900 (+17.13%)	$723,000 (+21.78%) Land $160,000 Building $563,000
2025	$7,308.00 (+11.42%) Homeowner's exemption
2023	$6,559.00 Homeowner's exemption	$580,467	$593,700 Land $160,000 Building $433,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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 167 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

May also be available: T-Mobile, Verizon.

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