100 Ratem Dr, Westminster, MD 21157 Property Records

Carroll County property record for 100 Ratem Dr, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,138 sqft · built 1990
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Jan 2019)
Tax Bill	$2,305 (2025)
Deeds & Mortgages	May 2019 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-110944`

Property Details

APN / Parcel Number

Primary APN	`07-110944`
Alternative APNs	`7110944` `110944`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	2 Stories
Building Area	1,138 sqft Total Area
Basement Area	560 sqft
Finished Basement	560 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	110944
Street Address	100 RATEM DR
City	WESTMINSTER
State	MD
Zip	21157-4302
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-100
Legal Description	LT 1 - 7500 SF 100 RATEM DR 39-77 DAVES HOPE
Legal Subdivision	DAVES HOPE
Legal Lot Number	1
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2007
Census Tract	507601

Owner

Source: Carroll County records, as of August 18, 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	100 RATEM DR, WESTMINSTER, MD 21157-4302
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
May 9, 2019	Deed of Trust, Mortgage · FHA Mortgage FIDELITY BANK
Jan 30, 2019	Deed, Transfer · FHA Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2019 · Amount on Record
Deed Sale	Jan 30, 2019 · Amount on Record
Prior Sale	Apr 8, 2014 · Amount on Record
Deed Book / Page	9215 / 92
Prior Transfer Date	Dec 28, 2006
Prior Transfer Doc	0051090390
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	100 RATEM DR, WESTMINSTER, MD 21157-4302
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0092860021
Date	May 9, 2019
Book Page	9286/0021

Lender

Name	FIDELITY BANK
Type	Bank
Address	ATLANTA, GA 30329

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Feb 1, 2049

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 30, 2019
Property Address	100 RATEM DR, WESTMINSTER, MD 21157-4302
Document Number	0092150092
Book / Page	9215 / 0092
Map Reference	MB 39 PG 77
Instrument Date	Jan 22, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	SAGE TITLE GROUP 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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 RATEM DR, WESTMINSTER, MD 21157-4302

Mortgage

Document Number	0000921598
Date	Jan 30, 2019
Instrument	9215/98

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$248,800 (+7.72%) Land $60,000 Building $188,800	$248,800 (-) Land $60,000 Building $188,800
2025	$2,305.00 (+4.49%) Homeowner's exemption	$230,967 (+18.26%)	$248,800 (+27.39%) Land $60,000 Building $188,800
2023	$2,206.00 Homeowner's exemption	$195,300 Land $60,000 Building $135,300	$195,300 Land $60,000 Building $135,300

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 · 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	1 in force

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Antietam Cable, Quantum Internet & Telephone, Ting.

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