Carroll County property record for 103 Treetop Ct, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,138 sqft · built 1989 |
| Lot Size | 0.193 acres (8,386 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $329,900 (Nov 2005) |
| Tax Bill | $3,847 (2026) |
| Deeds & Mortgages | May 2024 Second Mortgage Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-094736 |
| Primary APN | 07-094736 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,138 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,386 sqft (0.193 acres) |
| Garage Type | Attached |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 094736 |
|---|---|
| Street Address | 103 TREETOP CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-4612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-100 |
| Legal Description | LT 92 - 8386 SQ FT TREETOP CT 28-118/119 9UTUMN RIDGE SC 4 |
| Legal Subdivision | AUTUMN RDG SEC 04 |
| Legal Lot Number | 92 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 507601 |
103 Treetop Ct is owned and occupied by two individuals who bought it in November 2005.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 TREETOP CT, WESTMINSTER, MD 21157-4612 |
| 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.
| Date | Document |
|---|---|
| May 3, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Apr 12, 2022 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Feb 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jan 25, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2005 · Amount on File |
| Deed Sale | Nov 28, 2005 · Amount on File |
| Prior Sale | Aug 15, 1989 · Amount on File |
| Deed Document Number | 200552150 |
| Deed Book / Page | 4682 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 103 TREETOP CT, WESTMINSTER, MD 21157-4612 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0112360214 |
|---|---|
| Date | May 3, 2024 |
| Book Page | 11236/214 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 103 TREETOP CT, WESTMINSTER, MD 21157-4612 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0107400078 |
|---|---|
| Date | Apr 12, 2022 |
| Book Page | 10740/78 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 103 TREETOP CT, WESTMINSTER, MD 21157-4612 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 0100970001 |
|---|---|
| Date | Feb 9, 2021 |
| Book Page | 10097/1 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 103 TREETOP CT, WESTMINSTER, MD 21157-4612 |
| Document Number | 0095660216 |
| Instrument Date | Jan 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2020 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 TREETOP CT WESTMINSTER MD 211574612, WESTMINSTER, MD 21157-4612 |
| Document Number | 0095660216 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | 009566/000216 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 10, 2050 |
The 2026 property tax bill for 103 Treetop Ct was $3,847, up 8.7% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,847.00 (+8.67%) | $343,500 Land $110,000 Building $233,500 | $343,500 Land $110,000 Building $233,500 |
| 2025 | $3,540.00 | ||
| 2023 | $2,953.00 | $261,400 Land $100,600 Building $160,800 | $261,400 Land $100,600 Building $160,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Treetop Ct in Zone X, an area of minimal flood risk.
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 risk around 103 Treetop Ct 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 199 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 |
| Verizon Fixed Wireless | 300 / 20 |
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