2006 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 2006 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 960 sqft · built 1988
Lot Size	0.918 acres (40,001 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Sep 2018)
Tax Bill	$3,787 (2026)
Deeds & Mortgages	Jun 2017 Line of Credit Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-047746`

Property Details

APN / Parcel Number

Primary APN	`07-047746`
Alternative APNs	`7047746` `047746`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Total Area
Basement Area	552 sqft
Finished Basement	552 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,001 sqft (0.918 acres)
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	047746
Street Address	2006 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-7455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 40001 SF 2006 RIDGE RD NR NE/S NICODEMUS RD
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1025
Census Tract	507702

Owner

2006 Ridge Rd is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2006 RIDGE RD, WESTMINSTER, MD 21157-7455
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Jun 12, 2017	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND
Sep 6, 2018	Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2018 · Amount on File
Deed Sale	Sep 6, 2018 · Amount on File
Prior Sale	Jan 19, 2011 · Amount on File
Deed Book / Page	9112 / 68
Prior Transfer Date	Jan 9, 1986
Prior Transfer Doc	0931000700
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2006 RIDGE RD, WESTMINSTER, MD 21157-7455
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0087150211
Date	Jun 12, 2017
Book Page	8715/0211
Instrument	8715-0211

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 31, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 6, 2018
Property Address	2006 RIDGE RD, WESTMINSTER, MD 21157-7455
Document Number	0091120068
Book / Page	9112 / 0068
Instrument Date	Aug 30, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	OLD REPUBLIC NATL TITLE INS

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2006 RIDGE RD, WESTMINSTER, MD 21157-7455

Mortgage

Document Number	0000911275
Date	Sep 6, 2018
Instrument	9112/75

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2006 Ridge Rd was $3,787, up 6.3% 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	$3,787.00 (+6.32%)	$332,800 Land $125,000 Building $207,800	$332,800 Land $125,000 Building $207,800
2025	$3,562.00
2023	$3,081.00	$272,700 Land $125,000 Building $147,700	$272,700 Land $125,000 Building $147,700

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

Flood

FEMA maps place 2006 Ridge Rd in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 2006 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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