7076 Saddle Dr, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 7076 Saddle Dr, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,036 sqft · built 1984
Lot Size	0.196 acres (8,537 sqft)
Owner	2 Individual Names on Record
Last Sale	$371,000 (Jan 2021)
Tax Bill	$4,785 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-038162`

Property Details

APN / Parcel Number

Primary APN	`05-038162`
Alternative APNs	`5038162` `038162`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,036 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,537 sqft (0.196 acres)

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	240 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	038162
Street Address	7076 SADDLE DR
City	SYKESVILLE
State	MD
Zip	21784-5964
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 88 - 8537 SQ FT 7076 SADDLE DR 19-62 HILLTOP PLT D
Legal Subdivision	HILLTOP SEC D
Legal Lot Number	88
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	2
Census Block	2002
Census Tract	505205

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	2 Individual Names on Record
Mailing Address	446 BENNETT CERF DR, WESTMINSTER, MD 21157-4674
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 22, 2021	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Aug 8, 2017	Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2021 · Amount on Record
Deed Sale	Jan 22, 2021 · Amount on Record
Prior Sale	Aug 8, 2017 · Amount on Record
Deed Book / Page	10068 / 247
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 22, 2021
Property Address	7076 SADDLE DR, ELDERSBURG, MD 21784-5964
Document Number	0100680247
Book / Page	10068 / 247
Map Reference	MB 19 FO 62
Instrument Date	Dec 30, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7076 SADDLE DR, ELDERSBURG, MD 21784-5964

Mortgage

Document Number	0010068253
Date	Jan 22, 2021
Instrument	10068/253

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 22, 2021
Property Address	7076 SADDLE DR, ELDERSBURG, MD 21784-5964
Document Number	0100680047
Book / Page	10068 / 247
Map Reference	MB 19 FO 62
Instrument Date	Dec 30, 2020
Transaction Type	Transfer
Record Updated	Mar 11, 2021
Title Company	ADVANTAGE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7076 SADDLE DR, ELDERSBURG, MD 21784-5964

Mortgage

Document Number	100680253
Date	Jan 22, 2021
Instrument	10068-0253

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 8, 2017
Property Address	7076 SADDLE DR, ELDERSBURG, MD 21784-5964
Document Number	0087700155
Book / Page	008770 / 000155
Instrument Date	Aug 1, 2017
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	TITLE-RITE SERVICES INC, TITLE-RITE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7076 SADDLE DR ELDERSBURG MD 217845964, ELDERSBURG, MD 21784-5964

Mortgage

Document Number	87700161
Date	Aug 8, 2017
Book Page	008770/000161

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDIETOWN, RI 02842

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 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	$4,785.00 (+10.15%)	$415,933 (+19.36%)	$445,100 (+24.47%) Land $125,000 Building $320,100
2025	$4,344.00 (+10.34%) Homeowner's exemption
2023	$3,937.00 Homeowner's exemption	$348,467	$357,600 Land $125,000 Building $232,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 429 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: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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