6521 Monroe Ave, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 6521 Monroe Ave, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,648 sqft · built 1960
Lot Size	0.288 acres (12,525 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Jun 2026)
Tax Bill	$4,594 (2026)
Deeds & Mortgages	Jun 2024 Line of Credit Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-010578`

Property Details

APN / Parcel Number

Primary APN	`05-010578`
Alternative APN	`010578`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,648 sqft Total Area
Basement Area	552 sqft
Finished Basement	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,525 sqft (0.288 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	010578
Street Address	6521 MONROE AVE
City	SYKESVILLE
State	MD
Zip	21784-6342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 13 - 12525 SF 6521 MONROE AVE 3-30 RIDGELY PARK BLK C
Legal Subdivision	RIDGELY PARK
Legal Block	C
Legal Lot Number	13
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	2
Census Block	2007
Census Tract	505206

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	Individual Name on Record
Mailing Address	6521 MONROE AVE, SYKESVILLE, MD 21784-6342
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2024	Deed of Trust, Mortgage · Line of Credit TOWER FCU
Jun 16, 2026	Deed, Transfer · Conventional Mortgage BANK OF AMIERCA NA
Dec 22, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB
Aug 8, 2017	Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Aug 8, 2017 · Amount on Record
Deed Book / Page	11793 / 69
Prior Transfer Date	Dec 14, 2020
Prior Transfer Doc	0100100112
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	6521 MONROE AVE, ELDERSBURG, MD 21784-6342
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0112590240
Date	Jun 12, 2024
Book Page	11259/240

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 25, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 16, 2026
Property Address	6521 MONROE AVE, SYKESVILLE, MD 21784-6342
Document Number	1179000069
Book / Page	11793 / 69
Instrument Date	Jun 10, 2026
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$545,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6521 MONROE AVE, SYKESVILLE, MD 21784-6342

Mortgage

Document Number	1179000079,
Date	Jun 16, 2026
Book Page	11793/79

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Dec 22, 2020
Property Address	6521 MONROE AVE, ELDERSBURG, MD 21784-6342
Document Number	0100100112
Book / Page	10010 / 112
Map Reference	MB 3 FO 30
Instrument Date	Dec 14, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	VELOCITY NATIONAL TITLE COMP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6521 MONROE AVE, SYKESVILLE, MD 21784-6342

Mortgage

Document Number	0010010115
Date	Dec 22, 2020
Instrument	10010/115

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 8, 2017
Property Address	6521 MONROE AVE, ELDERSBURG, MD 21784-6342
Document Number	0087700260
Book / Page	8770 / 0260
Map Reference	MB EAS3 FO30
Instrument Date	Aug 4, 2017
Instrument	8770-0260
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	GATEWAY TITLE INC

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	6521 MONROE AVE, ELDERSBURG, MD 21784-6342

Mortgage

Document Number	87700265
Date	Aug 8, 2017
Instrument	8770-0265

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$4,594.00 (+4.91%)	$437,267 (+5.79%)	$461,200 (-) Land $144,200 Building $317,000
2025	$4,379.00 (+2.99%) Homeowner's exemption	$413,333 (+9.84%)	$461,200 (+18.44%) Land $144,200 Building $317,000
2023	$4,252.00 Homeowner's exemption	$376,300	$389,400 Land $144,200 Building $245,200

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 · 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
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2020 · rainfall accumulation

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

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 333 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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