990 McKinstrys Mill Rd, Union Bridge, MD 21791 Property Records

Carroll County property record for 990 McKinstrys Mill Rd, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,800 sqft · built 1990
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on File
Last Sale	$339,900 (Jul 2018)
Tax Bill	$4,933 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-000529`

Property Details

APN / Parcel Number

Primary APN	`12-000529`
Alternative APN	`000529`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,800 sqft Total Area
Basement Area	978 sqft
Finished Basement	978 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	52,708 sqft (1.21 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	000529
Street Address	990 MCKINSTRYS MILL RD
City	UNION BRIDGE
State	MD
Zip	21791-8818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 1 - 1.21 ACS 990 MCKINSTRYS MILL RD 8 PRIESTLAND HEIGHTS
Legal Subdivision	PRIESTLAND HEIGHTS
Legal Lot Number	1
Jurisdiction	CARROLL MD
Township / Civil Division	12, UNION BRIDGE
Census Block Group	1
Census Block	1078
Census Tract	512000

Owner

990 McKinstrys Mill Rd is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	990 MCKINSTRYS MILL RD, UNION BRIDGE, MD 21791-8818
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
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WEST TOWN BANK & TRUST
Jul 24, 2018	Grant Deed, Transfer · Conventional with PMI WEST TOWN BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2018 · Amount on File
Deed Sale	Jul 24, 2018 · Amount on File
Prior Sale	Jun 27, 2011 · Amount on File
Deed Book / Page	9073 / 82
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	990 MCKINSTRYS MILL RD, UNION BRIDGE, MD 21791-8818
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0105730493
Date	Nov 29, 2021
Book Page	10573/493

Lender

Name	WEST TOWN BANK & TRUST
Type	Bank
Address	RALEIGH, NC 27615

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 24, 2018
Property Address	990 MCKINSTRYS MILL RD, UNION BRIDGE, MD 21791-8818
Document Number	0090730082
Book / Page	009073 / 000082
Instrument Date	Jul 13, 2018
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	LAWYERS SIGNATURE SETTLEMENTS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	990 MCKINSTRYS MILL RD UNION BRIDGE MD 217918818, UNION BRIDGE, MD 21791-8818

Mortgage

Document Number	90730088
Date	Jul 24, 2018
Book Page	009073/000088

Lender

Name	WEST TOWN BK&TR
Address	RALEIGH, NC 27615

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 990 McKinstrys Mill Rd was $4,933, up 8.1% 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	$4,933.00 (+8.11%)	$435,200 Land $127,100 Building $308,100	$435,200 Land $127,100 Building $308,100
2025	$4,563.00
2023	$3,796.00	$336,000 Land $127,100 Building $208,900	$336,000 Land $127,100 Building $208,900

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

Flood

FEMA maps place 990 McKinstrys Mill Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

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

Wildfire risk around 990 McKinstrys Mill Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Quantum Internet & Telephone.

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