1040 Stone Rd, Westminster, MD 21158 Property Records

Carroll County property record for 1040 Stone Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,564 sqft · built 1967
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,615 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-009963`

Property Details

APN / Parcel Number

Primary APN	`03-009963`
Alternative APNs	`3009963` `009963`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,484 sqft Total Area
Basement Area	492 sqft
Finished Basement	492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	400 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Pool Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	009963
Street Address	1040 STONE RD
City	WESTMINSTER
State	MD
Zip	21158-2819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 1.00 AC 1040 STONE RD NR HALTER RD
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	2
Census Block	2007
Census Tract	503000

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	2 Individual Names on Record
Mailing Address	1040 STONE RD, WESTMINSTER, MD 21158-2819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1040 STONE RD, WESTMINSTER, MD 21158-2819
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 STONE RD, WESTMINSTER, MD 21158-2819

Mortgage

Document Number	0109150151
Date	Oct 25, 2022
Book Page	10915/151

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 4, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,615.00 (+4.9%) Homeowner's exemption	$345,967 (+22.54%)	$378,300 (+14.71%) Land $150,000 Building $228,300
2025	$3,446.00 (+8.03%) Homeowner's exemption
2023	$3,190.00 Homeowner's exemption	$282,333	$329,800 Land $125,000 Building $204,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20