Carroll County property record for 5989 Monroe Ave, Eldersburg, MD 21784
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 1,988 sqft · built 1992 |
| Lot Size | 0.49 acres (21,328 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $409,000 (Apr 2019) |
| Tax Bill | $390 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jun 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-065984 |
| Primary APN | 05-065984 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,988 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 21,328 sqft (0.49 acres) |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 140 sqft |
| Deck Area | 402 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 065984 |
|---|---|
| Street Address | 5989 MONROE AVE |
| City | SYKESVILLE |
| State | MD |
| Zip | 21784-6667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-200 |
| Legal Description | LT 19 - 21328 SF 5989 MONROE AVE 32-41 HERITAGE HGHTS SC 1 |
| Legal Subdivision | SECTION ONE HERITAGE HEIGHTS |
| Legal Lot Number | 19 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 5, FREEDOM |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 505102 |
5989 Monroe Ave is owned and occupied by two individuals who bought it in April 2019.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5989 MONROE AVE, SYKESVILLE, MD 21784-6667 |
| 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.
| Date | Document |
|---|---|
| Dec 8, 2025 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS TRADERS TRUST CO |
| Jun 13, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jan 20, 2021 | Deed of Trust, Mortgage · VA Mortgage LOANUNITED.COM LLC |
| Apr 16, 2019 | Grant Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 16, 2019 · Amount on File |
| Deed Sale | Apr 16, 2019 · Amount on File |
| Prior Sale | Jun 11, 2014 · Amount on File |
| Deed Book / Page | 9266 / 378 |
| Prior Transfer Date | Dec 26, 2013 |
| Prior Transfer Doc | 0075810027 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 5989 MONROE AVE, ELDERSBURG, MD 21784-6667 |
| Transaction Type | Mortgage |
| Record Updated | Dec 19, 2025 |
| Title Company | UNKNOWN, RGS TITLE LLC MATS |
| Name | Verified Name |
|---|
| Document Number | 0116390001 |
|---|---|
| Date | Dec 8, 2025 |
| Book Page | 11639/1 |
| Name | MANUFACTURERS TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 5989 MONROE AVE, ELDERSBURG, MD 21784-6667 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5989 MONROE AVE, ELDERSBURG, MD 21784-6667 |
| Document Number | 0110500297 |
|---|---|
| Date | Jun 13, 2023 |
| Book Page | 11050/297 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jun 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 5989 MONROE AVE, ELDERSBURG, MD 21784-6667 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0100590232 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 10059/232 |
| Name | LOANUNITED.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | NORCROSS, GA 30093 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Apr 16, 2019 |
| Property Address | 5989 MONROE AVE, ELDERSBURG, MD 21784-6667 |
| Document Number | 0092660378 |
| Book / Page | 009266 / 000378 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2019 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $409.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5989 MONROE AVE ELDERSBURG MD 217846667, ELDERSBURG, MD 21784-6667 |
| Document Number | 92660385 |
|---|---|
| Date | Apr 16, 2019 |
| Book Page | 009266/000385 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 15, 2049 |
The 2026 property tax bill for 5989 Monroe Ave was $390 with a homeowner's exemption.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $390.00 Homeowner's exemption | $550,600 (+8.13%) | $592,000 (-) Land $160,000 Building $432,000 |
| 2025 | $390.00 Homeowner's exemption | $509,200 | $592,000 Land $160,000 Building $432,000 |
| 2023 | $5,042.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $446,200 | $467,800 Land $160,000 Building $307,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5989 Monroe Ave 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 risk around 5989 Monroe Ave 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 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 |
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