1316 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 1316 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,902 sqft · built 1850
Lot Size	6.07 acres (264,409 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (May 2021)
Tax Bill	$3,768 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-085087`

Property Details

APN / Parcel Number

Primary APN	`07-085087`
Alternative APNs	`7085087` `085087`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,902 sqft Total Area
Basement Area	2,640 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Siding
Roof Material	Metal
Lot Area	264,409 sqft (6.07 acres)
Porch	Porch
Porch Area	252 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	085087
Street Address	1316 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-6814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT - 6.0702 ACS 1316 RIDGE RD NR S/S KATE WAGNER RD
Legal Subdivision	WARFIELDSBURG
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1022
Census Tract	507702

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	1316 RIDGE RD, WESTMINSTER, MD 21157-6814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME BANK
Feb 24, 2021	Deed, Transfer · Stand-Alone First Mortgage BAY VANGUARD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Prior Sale	Feb 24, 2021 · Amount on Record
Deed Book / Page	10283 / 223
Prior Transfer Date	Oct 24, 2016
Prior Transfer Doc	0085070477
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 21, 2021
Property Address	1316 RIDGE RD, WESTMINSTER, MD 21157-6814
Document Number	0102830223
Book / Page	10283 / 223
Instrument Date	May 12, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	PASSPORT TITLE SERVICES LLC

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	Tenants by the Entirety
Address	1316 RIDGE RD, WESTMINSTER, MD 21157-6814
Investor	Possibly a Property Investor

Mortgage

Document Number	0010283230
Date	May 21, 2021
Instrument	10283/230

Lender

Name	FIRST HOME BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 24, 2021
Property Address	1316 RIDGE RD, WESTMINSTER, MD 21157-6814
Document Number	0101220366
Book / Page	10122 / 366
Instrument Date	Dec 4, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	PASSPORT TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
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
Address	1961 ARMOR DR, FINKSBURG, MD 21048-1581

Mortgage

Document Number	0010122379
Date	Feb 24, 2021
Instrument	10122/379

Lender

Name	BAY VANGUARD BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$3,768.00 (+8.71%)	$331,100 (+8.85%) Land $160,500 Building $170,600	$331,100 (-) Land $160,500 Building $170,600
2025	$3,466.00 (+22.56%)	$304,167 (+21.52%)	$331,100 (+32.28%) Land $160,500 Building $170,600
2023	$2,828.00	$250,300 Land $160,500 Building $89,800	$250,300 Land $160,500 Building $89,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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