Carroll County property record for 7082 Saddle Dr, Eldersburg, MD 21784
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,392 sqft · built 1980 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $144,500 (May 1997) |
| Tax Bill | $3,748 (2026) |
| Deeds & Mortgages | May 2017 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-038138 |
| Primary APN | 05-038138 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,392 sqft Total Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,973 sqft (0.206 acres) |
| Garage Type | Built-in |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 038138 |
|---|---|
| Street Address | 7082 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 85 - 8973 SQ FT SADDLE DR 19-62 HILLTOP PLT D |
| Legal Subdivision | HILLTOP SEC D |
| Legal Lot Number | 85 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 5, FREEDOM |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 505205 |
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 | 7082 SADDLE DR, SYKESVILLE, MD 21784-5964 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| May 30, 2018 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 1997 · Amount on Record |
| Deed Sale | May 12, 1997 · Amount on Record |
| Prior Sale | Sep 7, 1995 |
| Deed Document Number | 1997964050 |
| Deed Book / Page | 1909 / 279 |
| Transfer Doc | 0000952016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 7082 SADDLE DR, ELDERSBURG, MD 21784-5964 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0086840246 |
|---|---|
| Date | May 11, 2017 |
| Book Page | 8684/0246 |
| Instrument | 8684-0246 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 7082 SADDLE DR, ELDERSBURG, MD 21784-5964 |
| Document Number | 0090350457 |
| Instrument Date | May 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7082 SADDLE DR SYKESVILLE MD 217845964, SYKESVILLE, MD 21784-5964 |
| Document Number | 0090350457 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 009035/000457 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 7, 2048 |
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 | $3,748.00 (+6.27%) | $321,100 (+17.88%) | $340,800 (+20.98%) Land $126,400 Building $214,400 |
| 2025 | $3,527.00 (+14.59%) | ||
| 2023 | $3,078.00 | $272,400 | $281,700 Land $126,400 Building $155,300 |
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
| 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.
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 | 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 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.
5G (outdoors only) and 4G LTE
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