1040 Fridinger Mill Rd, Westminster, MD 21157 Property Records

Carroll County property record for 1040 Fridinger Mill Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,471 sqft · built 1987
Lot Size	4.08 acres (178,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Feb 2020)
Tax Bill	$3,934 (2026)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Sep 2019 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-028705`

Property Details

APN / Parcel Number

Primary APN	`06-028705`
Alternative APNs	`6028705` `028705`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,471 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	178,117 sqft (4.08 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	710 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	028705
Street Address	1040 FRIDINGER MILL RD
City	WESTMINSTER
State	MD
Zip	21157-3204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 4.089 ACS 1040 FRIDINGER MILL RD E OF BIXLER
Jurisdiction	CARROLL MD
Township / Civil Division	6, MANCHESTER
Census Block Group	1
Census Block	1019
Census Tract	506101

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1040 FRIDINGER MILL RD, WESTMINSTER, MD 21157-3204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2020	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Sep 26, 2019	Grant Deed, Transfer · Construction Mortgage ARCADIX LLC
Aug 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2020 · Amount on Record
Deed Sale	Feb 10, 2020 · Amount on Record
Prior Sale	Sep 26, 2019 · Amount on Record
Deed Book / Page	9564 / 182
Last Transfer Date	Jun 19, 2024
Transfer Doc	0112650447
Record Updated	Oct 29, 2026

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 10, 2020
Property Address	1040 FRIDINGER MILL RD, WESTMINSTER, MD 21157-3204
Document Number	0095640182
Book / Page	9564 / 0182
Instrument Date	Jan 31, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KEY TITLE INC

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	1876 SALE BARN RD, ACCIDENT, MD 21520

Mortgage

Document Number	0009564188
Date	Feb 10, 2020
Instrument	9564/188

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 26, 2019
Property Address	1040 FRIDINGER MILL RD, WESTMINSTER, MD 21157-3204
Document Number	0094240421
Book / Page	009424 / 000421
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15881 CRABBS BRANCH WAY #B ROCKVILLE MD 208556632, B, ROCKVILLE, MD 20855-6632
Investor	Possibly a Property Investor

Mortgage

Document Number	94240427
Date	Sep 26, 2019
Book Page	009424/000427

Lender

Name	ARCADIX LLC
Address	57 ACORN LN, BOULDER, CO 80304-0490

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 25, 2020

Interest

Rate	5%

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 30, 2018
Property Address	1040 FRIDINGER MILL RD, WESTMINSTER, MD 21157-3204
Document Number	0091070370
Book / Page	009107 / 000370
Instrument Date	Aug 17, 2018
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	369 OLD BACHMANS VALLEY RD WESTMINSTER MD 211573309, WESTMINSTER, MD 21157-3309

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	$3,934.00 (+5.07%) Homeowner's exemption	$429,800 (+6.02%)	$478,600 (+18.06%) Land $165,400 Building $313,200
2025	$3,744.00 (+2.18%) Homeowner's exemption	$405,400 (+24.99%) Land $155,400 Building $250,000	$405,400 (-) Land $155,400 Building $250,000
2023	$3,664.00 Homeowner's exemption	$324,333	$405,400 Land $155,400 Building $250,000

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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Quantum Internet & Telephone Fiber	2,000 / 2,000
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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