2198 Stone Rd, Westminster, MD 21158 Property Records

Carroll County property record for 2198 Stone Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,824 sqft · built 1990
Lot Size	1.44 acres (62,726 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Sep 2021)
Tax Bill	$5,879 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-025586`

Property Details

APN / Parcel Number

Primary APN	`03-025586`
Alternative APNs	`3025586` `025586`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,824 sqft Total Area
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	62,726 sqft (1.44 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	52 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	025586
Street Address	2198 STONE RD
City	WESTMINSTER
State	MD
Zip	21158-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 1- 1.4463 ACS 2198 STONE RD PLT 33-88 ALEXANDER FIELDS
Legal Subdivision	ALEXANDER FIELDS AMD
Legal Lot Number	1
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	2
Census Block	2005
Census Tract	503000

Owner

Source: Carroll County records · APN 03-025586

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	2198 STONE RD, WESTMINSTER, MD 21158-1822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Sep 07, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONWIDE MORTGAGE CONCEPTS LLC
Aug 12, 2020	Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 07, 2021 · Amount on Record
Deed Sale	Sep 07, 2021 · Amount on Record
Prior Sale	Aug 12, 2020 · Amount on Record
Deed Book / Page	10439 / 301
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	Jun 22, 2026
Property Address	2198 STONE RD, WESTMINSTER, MD 21158-1822
Document Number	1179000001
Book / Page	11796 / 1
Instrument Date	Jun 12, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 STONE RD, WESTMINSTER, MD 21158-1822

Mortgage

Document Number	1179000001,
Date	Jun 22, 2026
Book Page	11796/1

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.71%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 07, 2021
Property Address	2198 STONE RD, WESTMINSTER, MD 21158-1822
Document Number	0104390301
Book / Page	10439 / 301
Map Reference	MB 33 FO 88
Instrument Date	Aug 19, 2021
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	POWERHOUSE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	2198 STONE RD, WESTMINSTER, MD 21158-1822

Mortgage

Document Number	0010439307
Date	Sep 07, 2021
Instrument	10439/307

Lender

Name	NATIONWIDE MORTGAGE CONCEPTS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2051

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 12, 2020
Property Address	2198 STONE RD, WESTMINSTER, MD 21158-1822
Document Number	0097990329
Book / Page	9799 / 329
Map Reference	MB 33 PG 88
Instrument Date	Jul 31, 2020
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	DBA HOMESALE SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 in Severalty
Address	2198 STONE RD, WESTMINSTER, MD 21158-1822

Mortgage

Document Number	0009799336
Date	Aug 12, 2020
Instrument	9799/336

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$579,500 (+7.18%)	$657,100 (+21.53%) Land $154,400 Building $502,700
2025	$5,879.00 (+10.88%) Homeowner's exemption	$540,700 (+15.23%) Land $129,400 Building $411,300	$540,700 (-) Land $129,400 Building $411,300
2023	$5,302.00	$469,233	$540,700 Land $129,400 Building $411,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 11, 2016 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 21 locations within half a mile of this property.

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