1435 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 1435 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 4,126 sqft · built 1999
Lot Size	2.99 acres (130,332 sqft)
Owner	2 Individual Names on File
Last Sale	$875,000 (Sep 2023)
Tax Bill	$8,662 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-110812`

Property Details

APN / Parcel Number

Primary APN	`07-110812`
Alternative APNs	`7110812` `110812`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,126 sqft Total Area
Basement Area	1,520 sqft
Finished Basement	1,520 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,332 sqft (2.99 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	124 sqft
Deck Area	408 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	110812
Street Address	1435 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-6815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT - 2.992 ACS 1435 RIDGE RD NE OF WARFIELDSBURG
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2001
Census Tract	507802

Owner

1435 Ridge Rd is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1435 RIDGE RD, WESTMINSTER, MD 21157-6815
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	Sep 13, 2023 · Amount on File
Deed Sale	Sep 13, 2023 · Amount on File
Prior Sale	Feb 18, 1999 · Amount on File
Deed Book / Page	11113 / 182
Transfer Doc	0032410261
Record Updated	Oct 29, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 13, 2023
Property Address	1435 RIDGE RD, WESTMINSTER, MD 21157-6815
Document Number	0111130182
Book / Page	11113 / 182
Instrument Date	Aug 31, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,187.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1435 RIDGE RD, WESTMINSTER, MD 21157-6815

Mortgage

Document Number	0111130188
Date	Sep 13, 2023
Instrument	11113-0188

Lender

Name	COASTAL LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 1435 Ridge Rd was $8,662 with a homeowner's exemption, up 5.3% 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	$8,662.00 (+5.33%) Homeowner's exemption	$842,400 (+9.8%) Land $149,900 Building $692,500	$842,400 (-) Land $149,900 Building $692,500
2025	$8,224.00 Homeowner's exemption	$767,233	$842,400 Land $149,900 Building $692,500
2023	$6,970.00	$616,900 Land $149,900 Building $467,000	$616,900 Land $149,900 Building $467,000

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

Flood

FEMA maps place 1435 Ridge 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 1435 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	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 28 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
T-Mobile Fixed Wireless	100 / 20