1043 Flo Dr, Westminster, MD 21158 Property Records

Carroll County property record for 1043 Flo Dr, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,616 sqft · built 2020
Lot Size	2.57 acres (112,254 sqft)
Owner	2 Individual Names on File
Last Sale	$145,771 (Jun 2019)
Tax Bill	$8,364 (2026)
Deeds & Mortgages	Nov 2023 Second Mortgage Aug 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-155026`

Property Details

APN / Parcel Number

Primary APN	`07-155026`
Alternative APN	`155026`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,616 sqft Total Area
Basement Area	814 sqft
Finished Basement	814 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	112,254 sqft (2.57 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	155026
Street Address	1043 FLO DR
City	WESTMINSTER
State	MD
Zip	21158-3067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 21 - 2.57712 ACS 1043 FLO DR 53-94/99 JACOBS RIDGE 4
Legal Subdivision	JACOB S RIDGE 4
Legal Lot Number	21
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2004
Census Tract	507500

Owner

1043 Flo Dr is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1043 FLO DR, WESTMINSTER, MD 21158-3067
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ARUNDEL FEDERAL SAVINGS BANK
Aug 3, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HOME MORTGAGE CORP
May 14, 2020	Deed of Trust, Mortgage GUARANTY HM MTG CORP
Jun 28, 2019	Deed, Construction Loan · Construction Mortgage ORRSTOWN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on File
Deed Sale	Jun 28, 2019 · Amount on File
Deed Book / Page	9334 / 404
Prior Transfer Date	Sep 25, 2013
Prior Transfer Doc	0075910342
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1043 FLO DR, WESTMINSTER, MD 21158-3067
Transaction Type	Mortgage
Record Updated	Nov 27, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0111450045
Date	Nov 9, 2023
Book Page	11145/45

Lender

Name	ARUNDEL FEDERAL SAVINGS BANK
Type	Bank
Address	GLEN BURNIE, MD 21061

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2043

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1043 FLO DR, WESTMINSTER, MD 21158-3067
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097850221
Date	Aug 3, 2020
Book Page	9785/221

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1043 FLO DR, WESTMINSTER, MD 21158-3067
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NATIONAL TTL AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101700435
Date	Mar 19, 2021
Book Page	10170/435

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1043 FLO DR, WESTMINSTER, MD 21158-3067
Document Number	0099220437
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1043 FLO DR WESTMINSTER MD 211583067, WESTMINSTER, MD 21158-3067

Mortgage

Document Number	0099220437
Date	Aug 28, 2020
Book Page	009922/000437

Lender

Name	GUARANTY HM MTG CORP
Address	MURFREESBORO, TN 37129

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2050

June 2019: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 28, 2019
Property Address	1043 FLO DR, WESTMINSTER, MD 21158-3067
Document Number	0093340404
Book / Page	9334 / 0404
Map Reference	MB 53 PG 94-99
Instrument Date	Jun 24, 2019
Transaction Type	Construction Loan
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount 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	551 HIDDEN STREAM CT, WESTMINSTER, MD 21158-9490

Mortgage

Document Number	0009334409
Date	Jun 28, 2019
Instrument	9334/409

Lender

Name	ORRSTOWN BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

The 2026 property tax bill for 1043 Flo Dr was $8,364 with a homeowner's exemption, up 5.1% from the year before.

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	$8,364.00 (+5.11%) Homeowner's exemption	$810,900 (+6.39%) Land $175,700 Building $635,200	$810,900 (-) Land $175,700 Building $635,200
2025	$7,957.00 Homeowner's exemption	$762,200	$810,900 Land $175,700 Building $635,200
2023	$7,512.00 Homeowner's exemption	$664,800 Land $175,700 Building $489,100	$664,800 Land $175,700 Building $489,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1043 Flo Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 1043 Flo Dr 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	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.

Nearby Properties on Flo Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures