11 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 11 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,156 sqft · built 1925
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Sep 1992)
Tax Bill	$4,774 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-056427`

Property Details

APN / Parcel Number

Primary APN	`07-056427`
Alternative APNs	`7056427` `056427`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,156 sqft Total Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Siding
Roof Material	Metal
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	210 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	388 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	056427
Street Address	11 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-4997
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 43 - 10500 SQ FT 11 RIDGE RD 127-235 SMITHS ADDITION
Legal Subdivision	SMITHS ADD
Legal Lot Number	43
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3017
Census Tract	507702

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	11 RIDGE RD, WESTMINSTER, MD 21157-4997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 1992 · Amount on Record
Deed Sale	Sep 11, 1992 · Amount on Record
Deed Book / Page	1384 / 111
Last Transfer Date	Jan 17, 2012
Transfer Doc	0067840220
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	11 RIDGE RD, WESTMINSTER, MD 21157-4997
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 RIDGE RD, WESTMINSTER, MD 21157-4997

Mortgage

Document Number	0108960038
Date	Sep 28, 2022
Book Page	10896/38

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 15, 2062

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	11 RIDGE RD, WESTMINSTER, MD 21157-4997
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 RIDGE RD, WESTMINSTER, MD 21157-4997

Mortgage

Document Number	0108240180
Date	Jun 28, 2022
Book Page	10824/180

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	May 26, 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
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,774.00 (+5.76%)	$284,200 (+5.77%) Land $85,500 Building $198,700	$284,200 (-) Land $85,500 Building $198,700
2025	$4,514.00 (+12.37%)	$268,700 (+13.04%)	$284,200 (+19.56%) Land $85,500 Building $198,700
2023	$4,017.00	$237,700 Land $85,500 Building $152,200	$237,700 Land $85,500 Building $152,200

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

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

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