6488 Cornwall Dr, Unit 12, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 6488 Cornwall Dr, Unit 12, Eldersburg, MD 21784

Property Summary

Property Type	Condominium
Details	built 2009
Lot Size	0.012 acres (555 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Jan 2025)
Tax Bill	$3,423 (2026)
Deeds & Mortgages	Mar 2017 Line of Credit Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-147611`

Property Details

APN / Parcel Number

Primary APN	`05-147611`
Alternative APN	`147611`

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Condo/Apartment
Lot Area	555 sqft (0.012 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	147611
Street Address	6488 CORNWALL DR, 12
City	SYKESVILLE
State	MD
Zip	21784-6598
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-750
Legal Description	UNIT 12 BLDG 2 6488 CORNWALL DR 51-209/ RESERVOIR RDG CONDO I
Legal Subdivision	RESERVOIR RIDGE LAND CONDOMINIUM
Legal Lot Number	UN 12
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	1
Census Block	1000
Census Tract	505205

Owner

6488 Cornwall Dr, Unit 12 is owned and occupied by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	6488 CORNWALL DR, 12, SYKESVILLE, MD 21784-6598
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
Mar 28, 2017	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Feb 19, 2019	Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2025 · Amount on File
Deed Sale	Jan 28, 2025 · Amount on File
Prior Sale	Feb 19, 2019 · Amount on File
Deed Book / Page	11409 / 441
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	6488 CORNWALL DR UNIT 12, 12, ELDERSBURG, MD 21784-6598
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0086460176
Date	Mar 28, 2017
Book Page	8646/0176
Instrument	8646-0176

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 19, 2019
Property Address	6488 CORNWALL DR UNIT 12, 12, ELDERSBURG, MD 21784-6598
Document Number	0092270156
Book / Page	9227 / 0156
Map Reference	MB DBS51 FO 211&212
Instrument Date	Jan 11, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	SAGE TITLE GROUP LLC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6488 CORNWALL DR UNIT 12, 12, ELDERSBURG, MD 21784-6598

Mortgage

Document Number	0009227166
Date	Feb 19, 2019
Instrument	9227/166

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 6488 Cornwall Dr, Unit 12 was $3,423, up 7.3% 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	$3,423.00 (+7.27%)	$305,000	$325,000 Land $100,000 Building $225,000
2025	$3,191.00
2023	$2,900.00	$256,667	$265,000 Land $100,000 Building $165,000

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

Flood

FEMA maps place 6488 Cornwall Dr, Unit 12 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	8 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 6488 Cornwall Dr, Unit 12 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 328 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: Verizon.

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