5864 Philben Cir, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 5864 Philben Cir, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,020 sqft · built 2006
Lot Size	0.44 acres (19,181 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Feb 2020)
Tax Bill	$8,752 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-145155`

Property Details

APN / Parcel Number

Primary APN	`05-145155`
Alternative APN	`145155`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,020 sqft Total Area
Basement Area	748 sqft
Finished Basement	748 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,181 sqft (0.44 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	145155
Street Address	5864 PHILBEN CIR
City	SYKESVILLE
State	MD
Zip	21784-7093
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 5 -19181 SF 5864 PHILBEN CIR 48-268/ OAK CREEK PH 1
Legal Subdivision	OAK CREEK
Legal Phase	1
Legal Lot Number	5
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	1
Census Block	1010
Census Tract	505102

Owner

5864 Philben Cir is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5864 PHILBEN CIR, SYKESVILLE, MD 21784-7093
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

Date	Document
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2020 · Amount on File
Deed Sale	Feb 4, 2020 · Amount on File
Prior Sale	Nov 30, 2006 · Amount on File
Deed Book / Page	9557 / 175
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	5864 PHILBEN CIR, ELDERSBURG, MD 21784-7093
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098110382
Date	Aug 19, 2020
Book Page	9811/382

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	5864 PHILBEN CIR, ELDERSBURG, MD 21784-7093
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	COURTHOUSE TITLE AND SETTLEMENTS, COURTHOUSE TITLE & SETTLEMENTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5864 PHILBEN CIR ELDERSBURG MD 217847093, ELDERSBURG, MD 21784-7093

Mortgage

Document Number	95570181
Date	Feb 4, 2020
Book Page	009557/000181

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 5864 Philben Cir was $8,752 with a homeowner's exemption, up 5.1% 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	$8,752.00 (+5.07%) Homeowner's exemption	$790,800	$837,300 Land $200,000 Building $637,300
2025	$8,330.00 Homeowner's exemption
2023	$7,770.00 Homeowner's exemption	$687,667	$697,800 Land $180,000 Building $517,800

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

Flood

FEMA maps place 5864 Philben Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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	4 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

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 5864 Philben Cir 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	None beyond ember reach

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 84 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

May also be available: AT&T.

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