876 Banner Ave, Union Bridge, MD 21791 Property Records

Carroll County property record for 876 Banner Ave, Union Bridge, MD 21791

Property Summary

Property Type	Rural Home
Details	1 ba · 1,149 sqft · built 1978
Lot Size	5.09 acres (221,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Jun 2022)
Tax Bill	$4,609 (2026)
Deeds & Mortgages	Oct 2023 Second Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-010887`

Property Details

APN / Parcel Number

Primary APN	`02-010887`
Alternative APNs	`2010887` `010887`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,149 sqft Total Area
Basement Area	450 sqft
Finished Basement	450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	221,720 sqft (5.09 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	279 sqft
Shed	1 Shed
Shed Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	010887
Street Address	876 BANNER AVE
City	UNION BRIDGE
State	MD
Zip	21791-9334
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AGRIC
Legal Description	LT - 5.0898 ACS 876 BANNER AVE BARK HILL RD
Legal Subdivision	BARK HILL
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	1
Census Block	1012
Census Tract	502000

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	876 BANNER AVE, UNION BRIDGE, MD 21791-9334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POINT BREEZE CU
Jun 28, 2022	Deed, Transfer · Conventional Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Deed Book / Page	10825 / 18
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	876 BANNER AVE, UNION BRIDGE, MD 21791-9334
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0111340260
Date	Oct 20, 2023
Book Page	11134/260

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 6, 2038

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 28, 2022
Property Address	876 BANNER AVE, UNION BRIDGE, MD 21791-9334
Document Number	0108250018
Book / Page	10825 / 18
Instrument Date	Jun 3, 2022
Transaction Type	Transfer
Record Updated	Oct 10, 2023
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	876 BANNER AVE, UNION BRIDGE, MD 21791-9334
Investor	Possibly a Property Investor

Mortgage

Document Number	0108250025
Date	Jun 28, 2022
Instrument	10825-0025

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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	$4,609.00 (+11.19%)	$384,300 (+47.92%) Land $127,000 Building $257,300	$384,300 (+47.92%) Land $127,000 Building $257,300
2025	$4,145.00 (+41.23%)
2023	$2,935.00	$259,800 Land $127,000 Building $132,800	$259,800 Land $127,000 Building $132,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jul 2018 · rainfall accumulation

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	BARK HILL BIBLE CHURCH serves 163 people · EPA ID MD0060019
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone.

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