Carroll County property record for 7 Reading Ct, Mount Airy, MD 21771
| Property Type | Townhouse |
|---|---|
| Details | 3 ba · 1,440 sqft · built 2004 |
| Lot Size | 0.046 acres (2,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $314,900 (Oct 2018) |
| Tax Bill | $4,953 (2026) |
| Deeds & Mortgages | Sep 2023 Mortgage Dec 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-042136 |
| Primary APN | 13-042136 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Total Area |
| Basement Area | 340 sqft |
| Finished Basement | 340 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,000 sqft (0.046 acres) |
| Garage Type | Mixed |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 212 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 042136 |
|---|---|
| Street Address | 7 READING CT |
| City | MOUNT AIRY |
| State | MD |
| Zip | 21771-7754 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R7 |
| Legal Description | LT 129 - 2000 SF PLT 7 READING CT 47-267/270 TWIN ARCH CROSSING PH 3 |
| Legal Subdivision | TWIN ARCH CROSSING |
| Legal Phase | 3 |
| Legal Lot Number | 129 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 13, MOUNT AIRY |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 513002 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Old National Pike Milestones listed 1975 · 69 contributing resources · NRIS 75002107 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 7 READING CT, MOUNT AIRY, MD 21771-7754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Oct 15, 2019 | Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jan 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 23, 2018 | Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2018 · Amount on Record |
| Deed Sale | Oct 23, 2018 · Amount on Record |
| Prior Sale | Mar 2, 2004 · Amount on Record |
| Deed Book / Page | 9149 / 34 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 7 READING CT, MOUNT AIRY, MD 21771-7754 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0111180003 |
|---|---|
| Date | Sep 21, 2023 |
| Book Page | 11118/3 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 7 READING CT, MOUNT AIRY, MD 21771-7754 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | PROGRESSIVE TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0100210207 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 10021/207 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 7 READING CT, MOUNT AIRY, MD 21771-7754 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0094430485 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 9443/0485 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Address | PARSIPPANY, NJ 07054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 7 READING CT, MOUNT AIRY, MD 21771-7754 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0106460135 |
|---|---|
| Date | Jan 21, 2022 |
| Book Page | 10646/135 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 10, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Oct 23, 2018 |
| Property Address | 7 READING CT, MOUNT AIRY, MD 21771-7754 |
| Document Number | 0091490034 |
| Book / Page | 9149 / 0034 |
| Map Reference | MB47 FO268 |
| Instrument Date | Oct 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | CHARTER TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 7 READING CT, MOUNT AIRY, MD 21771-7754 |
| Document Number | 0000914940 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 9149/40 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Mount Airy Town |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,953.00 (+3.19%) Homeowner's exemption | $377,333 (+10.95%) | $389,300 (+10.16%) Land $125,000 Building $264,300 |
| 2025 | $4,800.00 (+8.89%) Homeowner's exemption | ||
| 2023 | $4,408.00 Homeowner's exemption | $340,100 | $353,400 Land $120,000 Building $233,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF MOUNT AIRY serves 9,890 people · EPA ID MD0060007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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