Carroll County property record for 120 S Clear Ridge Rd, New Windsor, MD 21776
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,528 sqft · built 1885 |
| Lot Size | 1.08 acres (47,393 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Nov 2025) |
| Tax Bill | $3,737 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-005646 |
| Primary APN | 02-005646 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,528 sqft Total Area |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 47,393 sqft (1.08 acres) |
| Porch | Slab |
| Porch Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 005646 |
|---|---|
| Street Address | 120 S CLEAR RIDGE RD |
| City | NEW WINDSOR |
| State | MD |
| Zip | 21776-9750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT - 1.0875 ACS 120 S CLEAR RIDGE RD NEW WINDSOR |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 2, UNIONTOWN |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 502000 |
120 S Clear Ridge Rd is owned and occupied by two individuals who bought it in November 2025.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 120 S CLEAR RIDGE RD, NEW WINDSOR, MD 21776-9750 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage NEXGEN LENDING |
| Nov 10, 2025 | Deed, Transfer · FHA Mortgage NEXA MORTGAGE LLC |
| Oct 3, 2019 | Grant Deed, Transfer LAWYERS SIGNATURE SETTLEMENTS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2025 · Amount on File |
| Deed Sale | Nov 10, 2025 · Amount on File |
| Prior Sale | Jun 18, 2024 · Amount on File |
| Deed Book / Page | 11611 / 240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 14, 2026 |
| Property Address | 120 S CLEAR RIDGE RD, NEW WINDSOR, MD 21776-9750 |
| Document Number | 1176000006 |
| Book / Page | 11763 / 6 |
| Instrument Date | May 8, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LEGACY SETTLEMENTS |
| Name | Verified Name |
|---|---|
| Address | 120 S CLEAR RIDGE RD, NEW WINDSOR, MD 21776-9750 |
| Investor | Possibly a Property Investor |
| Document Number | 1176000006, |
|---|---|
| Date | May 14, 2026 |
| Book Page | 11763/6 |
| Name | NEXGEN LENDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Nov 10, 2025 |
| Property Address | 120 S CLEAR RIDGE RD, NEW WINDSOR, MD 21776-9750 |
| Document Number | 0116110240 |
| Book / Page | 11611 / 240 |
| Instrument Date | Sep 3, 2025 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $950.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 120 SLOUTH CLEAR RIDGE ROAD, WESTMINSTER, MD 21157 |
| Document Number | 0011611246 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 11611/246 |
| Name | NEXA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Oct 3, 2019 |
| Property Address | 120 S CLEAR RIDGE RD, NEW WINDSOR, MD 21776-9750 |
| Document Number | 0094310486 |
| Book / Page | 009431 / 000486 |
| Instrument Date | Sep 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2019 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS |
| Amount | Amount on Record |
|---|---|
| Tax | $75.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3304 UNIONTOWN RD WESTMINSTER MD 211583501, WESTMINSTER, MD 21158-3501 |
The 2026 property tax bill for 120 S Clear Ridge Rd was $3,737, up 217.8% 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 | $3,737.00 (+217.77%) | $333,700 (+217.81%) Land $125,000 Building $208,700 | $333,700 (+217.81%) Land $125,000 Building $208,700 |
| 2025 | $1,176.00 | $105,000 Land $105,000 | $105,000 Land $105,000 |
| 2023 | $1,186.00 | $105,000 Land $105,000 | $105,000 Land $105,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 120 S Clear Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 | 2 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Jul 2018 · rainfall accumulation |
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 risk around 120 S Clear Ridge 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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