7095 Saddle Dr, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 7095 Saddle Dr, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 872 sqft · built 1981
Lot Size	0.233 acres (10,149 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jan 2021)
Tax Bill	$4,283 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-038286`

Property Details

APN / Parcel Number

Primary APN	`05-038286`
Alternative APNs	`5038286` `038286`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	872 sqft Total Area
Basement Area	550 sqft
Finished Basement	550 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,149 sqft (0.233 acres)
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	038286
Street Address	7095 SADDLE DR
City	SYKESVILLE
State	MD
Zip	21784-5967
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 99 - 0.2334 AC 7095 SADDLE DR 19-62 HILLTOP PL D
Legal Subdivision	HILLTOP
Legal Lot Number	99
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	2
Census Block	2005
Census Tract	505205

Owner

7095 Saddle Dr is owned and occupied by two individuals who bought it in January 2021.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7095 SADDLE DR, SYKESVILLE, MD 21784-5967
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed, Transfer · Conventional Mortgage CAPITAL BANK NA
Jan 6, 2021	Deed, Transfer · Conventional Mortgage CAPITAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Jul 13, 2004
Deed Book / Page	10034 / 170
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 6, 2021
Property Address	7095 SADDLE DR, ELDERSBURG, MD 21784-5967
Document Number	0100340070
Book / Page	10034 / 170
Map Reference	MB 19 FO 62
Instrument Date	Dec 10, 2020
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	RESIDENTIAL T&E CO

Transaction

Amount	Amount on Record
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	7095 SADDLE DR, SYKESVILLE, MD 21784-5967

Mortgage

Document Number	100340176
Date	Jan 6, 2021
Instrument	10034-0176

Lender

Name	CAPITAL BANK NA
Type	Bank

Agreement

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

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 6, 2021
Property Address	7095 SADDLE DR, ELDERSBURG, MD 21784-5967
Document Number	0100340170
Book / Page	10034 / 170
Map Reference	MB 19 FO 62
Instrument Date	Dec 10, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount on Record
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	7095 SADDLE DR, SYKESVILLE, MD 21784-5967

Mortgage

Document Number	0010034176
Date	Jan 6, 2021
Instrument	10034/176

Lender

Name	CAPITAL BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 7095 Saddle Dr was $4,283, up 4.2% from the year before.

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	$4,283.00 (+4.23%)	$361,133	$376,600 Land $129,900 Building $246,700
2025	$4,109.00
2023	$3,454.00	$305,667	$330,200 Land $129,900 Building $200,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7095 Saddle Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 7095 Saddle Dr is low, with a 0.01% annual chance of 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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