Carroll County property record for 1103 Stone Rd, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,808 sqft · built 2021 |
| Lot Size | 1.51 acres (65,863 sqft) |
| Owner | Individual Name on File |
| Last Sale | $690,000 (Mar 2024) |
| Tax Bill | $7,246 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2024 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-034768 |
| Primary APN | 07-034768 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,808 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 65,863 sqft (1.51 acres) |
| Garage Type | Attached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 034768 |
|---|---|
| Street Address | 1103 STONE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-2820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT - 1.5118 ACS 1103 STONE RD NR N/S HUGHES SHOP RD |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 507500 |
1103 Stone Rd is owned and occupied by an individual who bought it in March 2024.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| 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.
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Conventional Mortgage POINT BREEZE CREDIT UNION |
| Mar 1, 2024 | Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Feb 5, 2021 | Deed of Trust, Mortgage · ARM FULTON BANK NA |
| May 16, 2022 | Deed of Trust, Mortgage · Line of Credit POINT BREEZE CU |
| May 4, 2020 | Grant Deed, Transfer · Conventional Mortgage FARM CREDIT SVCS |
| Jan 5, 2017 | Loan Modification, Mortgage · Conventional Mortgage NEW WINDSOR ST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2024 · Amount on File |
| Deed Sale | Mar 1, 2024 · Amount on File |
| Prior Sale | May 4, 2020 · Amount on File |
| Deed Book / Page | 11200 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 19, 2026 |
| Property Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| Document Number | 1176000269 |
| Book / Page | 11767 / 269 |
| Instrument Date | May 13, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| Document Number | 1176000269, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 11767/269 |
| Name | POINT BREEZE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 13, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Mar 1, 2024 |
| Property Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| Document Number | 0112000085 |
| Book / Page | 11200 / 85 |
| Map Reference | LB JHB 90 FO 55 |
| Instrument Date | Feb 23, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Title Company | LAKESIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| Document Number | 0112000093 |
|---|---|
| Date | Mar 1, 2024 |
| Book Page | 11200/93 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0100880180 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 10088/180 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | LANCASTER, PA 17602 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 371 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.62% |
| Index | 1-Year CMT |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0107760172 |
|---|---|
| Date | May 16, 2022 |
| Book Page | 10776/172 |
| Name | POINT BREEZE CU |
|---|---|
| Type | Credit Union |
| Address | HUNT VALLEY, MD 21031 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 4, 2020 |
| Property Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| Document Number | 0096590459 |
| Book / Page | 009659 / 000459 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2020 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $60.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | STONE RD WESTMINSTER MD 21158, WESTMINSTER, MD 21158 |
| Document Number | 96590465 |
|---|---|
| Date | May 4, 2020 |
| Book Page | 009659/000465 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | MOUNT JOY, PA 17552 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1103 STONE RD, WESTMINSTER, MD 21158-2820 |
| Document Number | 0085820049 |
| Book / Page | 008582 / 000049 |
| Instrument Date | Jan 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2017 |
| Name | Verified Name |
|---|---|
| Address | 277 STONE RD WESTMINSTER MD 21158, WESTMINSTER, MD 21158 |
| Document Number | 0085820049 |
|---|---|
| Date | Jan 13, 2017 |
| Book Page | 008582/000049 |
| Name | NEW WINDSOR ST BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Jan 12, 2020 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 1103 Stone Rd was $7,246 with a homeowner's exemption, up 3.6% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,246.00 (+3.63%) Homeowner's exemption | $641,700 (+3.66%) Land $135,100 Building $506,600 | $641,700 (-) Land $135,100 Building $506,600 |
| 2025 | $6,992.00 Homeowner's exemption | $619,067 | $641,700 Land $135,100 Building $506,600 |
| 2023 | $6,483.00 (+2.14%) | $573,800 (+2.15%) Land $135,100 Building $438,700 | $573,800 (-) Land $135,100 Building $438,700 |
| 2022 | $6,347.00 | $561,700 | $573,800 Land $135,100 Building $438,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1103 Stone Rd in Zone X, an area of minimal flood risk.
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 risk around 1103 Stone Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
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