7086 Saddle Dr, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 7086 Saddle Dr, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,067 sqft · built 1980
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Mar 2026)
Tax Bill	$5,270 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-038103`

Property Details

APN / Parcel Number

Primary APN	`05-038103`
Alternative APNs	`5038103` `038103`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,067 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	56 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	038103
Street Address	7086 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 83 - 9801 SF (0.2 7086 SADDLE DR 19-62 HILLTOP PLT D
Legal Subdivision	HILLTOP SEC D
Legal Lot Number	83
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	7086 SADDLE DR, SYKESVILLE, MD 21784-5964
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 18, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERIS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	Aug 9, 2016 · Amount on Record
Deed Book / Page	11703 / 217
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 6, 2026
Property Address	7086 SADDLE DR, ELDERSBURG, MD 21784-5964
Document Number	0117030217
Book / Page	11703 / 217
Map Reference	MB 19 FO 62
Instrument Date	Mar 2, 2026
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
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	7086 SADDLE DR, SYKESVILLE, MD 21784-5964

Mortgage

Document Number	0011703225
Date	Mar 6, 2026
Instrument	11703/225

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	7086 SADDLE DR, ELDERSBURG, MD 21784-5964
Document Number	0097410313
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7086 SADDLE DR ELDERSBURG MD 217845964, ELDERSBURG, MD 21784-5964

Mortgage

Document Number	0097410313
Date	Jun 29, 2020
Book Page	009741/000313

Lender

Name	AMERIS BK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

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	$5,270.00 (+7.16%)	$458,500 (+15.95%)	$484,700 (+19.35%) Land $129,200 Building $355,500
2025	$4,918.00 (+10.07%) Homeowner's exemption
2023	$4,468.00 Homeowner's exemption	$395,433	$406,100 Land $129,200 Building $276,900

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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