905 Derby Dr, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 905 Derby Dr, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,872 sqft · built 1996
Lot Size	0.305 acres (13,269 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (May 2000)
Tax Bill	$5,493 (2025)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-090431`

Property Details

APN / Parcel Number

Primary APN	`05-090431`
Alternative APNs	`5090431` `090431`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,872 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,269 sqft (0.305 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	090431
Street Address	905 DERBY DR
City	SYKESVILLE
State	MD
Zip	21784-6181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 75- 0.30 AC DERBY DRIVE 40-65/63 EDGEWOOD SC 3
Legal Subdivision	EDGEWOOD SEC 03
Legal Lot Number	75
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	2
Census Block	2004
Census Tract	505101

Owner

Source: Carroll County records · APN 05-090431

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	905 DERBY DR, SYKESVILLE, MD 21784-6181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 04, 2000 · Amount on Record
Deed Sale	May 04, 2000 · Amount on Record
Prior Sale	Jan 16, 1997 · Amount on Record
Deed Document Number	2000994259
Deed Book / Page	2335 / 628
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	May 18, 2026
Property Address	905 DERBY DR, SYKESVILLE, MD 21784-6181
Document Number	1176000046
Book / Page	11765 / 46
Instrument Date	Apr 30, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 DERBY DR, SYKESVILLE, MD 21784-6181

Mortgage

Document Number	1176000046,
Date	May 18, 2026
Book Page	11765/46

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$510,133 (+6.69%)	$542,100 (-) Land $200,000 Building $342,100
2025	$5,493.00 (+12.93%) Homeowner's exemption	$478,167 (+11.07%)	$542,100 (+21.49%) Land $200,000 Building $342,100
2023	$4,864.00 Homeowner's exemption	$430,500	$446,200 Land $180,000 Building $266,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 11, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Schurz Communications Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 278 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FREEDOM DISTRICT serves 24,867 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.