1040 Flo Dr, Westminster, MD 21158 Property Records

Carroll County property record for 1040 Flo Dr, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,776 sqft · built 2019
Lot Size	2.07 acres (90,387 sqft)
Owner	Individual Name on Record
Last Sale	$660,000 (Jul 2021)
Tax Bill	$6,204 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-431042`

Property Details

APN / Parcel Number

Primary APN	`07-431042`
Alternative APN	`431042`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,776 sqft Total Area
Basement Area	814 sqft
Finished Basement	814 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	90,387 sqft (2.07 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	194 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	431042
Street Address	1040 FLO DR
City	WESTMINSTER
State	MD
Zip	21158-3054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 19 - 2.0748 ACS 1040 FLO DR 53-94/99 JACOBS RIDGE 4
Legal Subdivision	JACOBS RIDGE 4
Legal Lot Number	19
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2004
Census Tract	507500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1040 FLO DR, WESTMINSTER, MD 21158-3054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jul 13, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Apr 8, 2019	Deed, Subdivision Related Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Apr 8, 2019 · Amount on Record
Deed Book / Page	10363 / 285
Last Transfer Date	Jul 2, 2024
Transfer Doc	0112840432
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1040 FLO DR, WESTMINSTER, MD 21158-3054
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0104310313
Date	Aug 30, 2021
Book Page	10431/313

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	NOTTINGHAM, MD 21236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 13, 2021
Property Address	1040 FLO DR, WESTMINSTER, MD 21158-3054
Document Number	0103630285
Book / Page	10363 / 285
Map Reference	MB 53 G 94-99
Instrument Date	Jun 25, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1040 FLO DR, WESTMINSTER, MD 21158-3054

Mortgage

Document Number	0010363292
Date	Jul 13, 2021
Instrument	10363/292

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

April 2019: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 8, 2019
Property Address	1040 FLO DR, WESTMINSTER, MD 21158-3054
Document Number	0092590223
Book / Page	9259 / 0223
Map Reference	MB 53 PG 94-99
Instrument Date	Mar 29, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	2608 NEUDECKER RD, WESTMINSTER, MD 21157-6630

Mortgage

Document Number	0009259227
Date	Apr 8, 2019
Instrument	9259/227

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Jan 1, 2050

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	$6,204.00 (+5.05%) Homeowner's exemption	$568,200 (+5.97%) Land $170,700 Building $397,500	$568,200 (-) Land $170,700 Building $397,500
2025	$5,906.00 (+10.72%) Homeowner's exemption	$536,167 (+13.57%)	$568,200 (+20.36%) Land $170,700 Building $397,500
2023	$5,334.00 Homeowner's exemption	$472,100 Land $170,700 Building $301,400	$472,100 Land $170,700 Building $301,400

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Feb 1979 · tidal / storm surge

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	Direct burnable vegetation

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 47 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

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

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