1120 Wet Stone Dr, Westminster, MD 21157 Property Records

Carroll County property record for 1120 Wet Stone Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,464 sqft · built 1994
Lot Size	1.72 acres (74,923 sqft)
Owner	2 Individual Names on File
Last Sale	$639,900 (May 2022)
Tax Bill	$7,462 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-064534`

Property Details

APN / Parcel Number

Primary APN	`04-064534`
Alternative APNs	`4064534` `064534`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,464 sqft Total Area
Utility Area	286 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	74,923 sqft (1.72 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	330 sqft
Deck Area	285 sqft
Patio Area	728 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064534
Street Address	1120 WET STONE DR
City	WESTMINSTER
State	MD
Zip	21157-7017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 5A- 1.727 AC 1120 WET STONE DR 38-62 TARA OAKS SC 2 AMND
Legal Subdivision	TARA OAKS SEC 02
Legal Lot Number	5A
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	1
Census Block	1002
Census Tract	504201

Owner

1120 Wet Stone Dr is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1120 WET STONE DR, WESTMINSTER, MD 21157-7017
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
May 23, 2022	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Nov 6, 2017	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2022 · Amount on File
Deed Sale	May 23, 2022 · Amount on File
Prior Sale	Nov 6, 2017 · Amount on File
Deed Book / Page	10783 / 381
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 23, 2022
Property Address	1120 WET STONE DR, WESTMINSTER, MD 21157-7017
Document Number	0107830381
Book / Page	10783 / 381
Map Reference	38 PG 62
Instrument Date	Apr 29, 2022
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	1120 WET STONE DR, WESTMINSTER, MD 21157-7017

Mortgage

Document Number	0107830386
Date	May 23, 2022
Instrument	10783-0386

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 6, 2017
Property Address	1120 WET STONE DR, WESTMINSTER, MD 21157-7017
Document Number	0088560264
Book / Page	008856 / 000264
Instrument Date	Oct 25, 2017
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	MIDDLE ATLANTIC SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$482.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 WET STONE DR WESTMINSTER MD 211577017, WESTMINSTER, MD 21157-7017

Mortgage

Document Number	88560270
Date	Nov 6, 2017
Book Page	008856/000270

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1120 Wet Stone Dr was $7,462, up 4.5% 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	$7,462.00 (+4.47%)	$661,033	$718,100 Land $207,200 Building $510,900
2025	$7,143.00
2023	$5,963.00	$527,700	$632,500 Land $187,200 Building $445,300

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

Flood

FEMA maps place 1120 Wet Stone 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1120 Wet Stone 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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