1226 Arnold Rd, Westminster, MD 21157 Property Records

Carroll County property record for 1226 Arnold Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,636 sqft · built 2003
Lot Size	3.88 acres (169,231 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Oct 2002)
Tax Bill	$6,588 (2026)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-077504`

Property Details

APN / Parcel Number

Primary APN	`04-077504`
Alternative APN	`077504`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,636 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	169,231 sqft (3.88 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	150 sqft
Deck Area	504 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	077504
Street Address	1226 ARNOLD RD
City	WESTMINSTER
State	MD
Zip	21157-7376
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT - 3.8847 ACS 1226 ARNOLD RD N/S OF ARNOLD RD
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	1
Census Block	1003
Census Tract	504201

Owner

1226 Arnold Rd is owned and occupied by two individuals who bought it in October 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	1226 ARNOLD RD, WESTMINSTER, MD 21157-7376
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2002 · Amount on File
Deed Sale	Oct 21, 2002 · Amount on File
Prior Sale	Jun 7, 2002 · Amount on File
Deed Document Number	20021844
Deed Book / Page	3079 / 734
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1226 ARNOLD RD, WESTMINSTER, MD 21157-7376
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106500211
Date	Jan 26, 2022
Book Page	10650/211

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank
Address	CINCINNATI, OH 45245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.2%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.2%
Index	Other
Margin	3
Max Rate	8.2%

Tax Assessment & Valuation

The 2026 property tax bill for 1226 Arnold Rd was $6,588 with a homeowner's exemption, up 4.8% 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	$6,588.00 (+4.75%) Homeowner's exemption	$650,900	$672,100 Land $224,400 Building $447,700
2025	$6,289.00 Homeowner's exemption
2023	$5,978.00 Homeowner's exemption	$529,033	$640,300 Land $184,400 Building $455,900

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

Flood

FEMA maps place 1226 Arnold 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

Wildfire risk around 1226 Arnold 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	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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250