110 Ratem Dr, Westminster, MD 21157 Property Records

Carroll County property record for 110 Ratem Dr, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,280 sqft · built 1995
Lot Size	0.329 acres (14,346 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Sep 2022)
Tax Bill	$3,129 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-137966`

Property Details

APN / Parcel Number

Primary APN	`07-137966`
Alternative APNs	`7137966` `137966`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,280 sqft Total Area
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,346 sqft (0.329 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	80 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	137966
Street Address	110 RATEM DR
City	WESTMINSTER
State	MD
Zip	21157-4302
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-100
Legal Description	LT 2 - 14346 SF 110 RATEM DR 42-193 JUDYS DREAM II
Legal Subdivision	JUDY DREAM II
Legal Lot Number	2
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2007
Census Tract	507601

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	110 RATEM DR, WESTMINSTER, MD 21157-4302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed, Transfer · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage APEX HOME LOANS INC
Feb 27, 2020	Grant Deed, Transfer · FHA Mortgage APEX HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on Record
Deed Sale	Sep 8, 2022 · Amount on Record
Prior Sale	Feb 27, 2020 · Amount on Record
Deed Book / Page	10878 / 426
Transfer Doc	0000973365
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 8, 2022
Property Address	110 RATEM DR, WESTMINSTER, MD 21157-4302
Document Number	0108780426
Book / Page	10878 / 426
Map Reference	MB 42 FO 193
Instrument Date	Aug 25, 2022
Transaction Type	Transfer
Record Updated	Sep 29, 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	Joint Tenants
Address	110 RATEM DR, WESTMINSTER, MD 21157-4302

Mortgage

Document Number	0108780433
Date	Sep 8, 2022
Instrument	10878-0433

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	110 RATEM DR, WESTMINSTER, MD 21157-4302
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0105990172
Date	Dec 14, 2021
Book Page	10599/172

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company
Address	ROCKVILLE, MD 20850

Agreement

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

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 27, 2020
Property Address	110 RATEM DR, WESTMINSTER, MD 21157-4302
Document Number	0095810141
Book / Page	009581 / 000141
Instrument Date	Feb 24, 2020
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	110 RATEM DR WESTMINSTER MD 211574302, WESTMINSTER, MD 21157-4302

Mortgage

Document Number	95810147
Date	Feb 27, 2020
Book Page	009581/000147

Lender

Name	APEX HM LNS
Type	Funding / Finance Company
Address	ROCKVILLE, MD 20850

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 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	$3,129.00 (+6.32%)	$279,400 (+21.74%) Land $60,000 Building $219,400	$279,400 (+21.74%) Land $60,000 Building $219,400
2025	$2,943.00 (+13.5%)
2023	$2,593.00	$229,500 Land $60,000 Building $169,500	$229,500 Land $60,000 Building $169,500

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 106 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
AT&T Fixed Wireless	100 / 20

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

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