2401 Cross Section Rd, Westminster, MD 21158 Property Records

Carroll County property record for 2401 Cross Section Rd, Westminster, MD 21158 · Last verified August 2026

Property Summary

Property Type	Rural Home
Details	4 ba · 2,490 sqft · built 1920
Lot Size	37 acres (1,612,591 sqft)
Owner	2 Individual Names on File
Last Sale	$579,900 (Sep 2003)
Tax Bill	$4,268 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-013673`

Property Details

APN / Parcel Number

Primary APN	`02-013673`
Alternative APNs	`2013673` `013673`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,490 sqft Total Area
Basement Area	1,300 sqft
Finished Basement	1,300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Construction Type	Frame
Roof Material	Metal
Lot Area	1,612,591 sqft (37 acres)
Porch	Slab
Porch Area	130 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	013673
Street Address	2401 CROSS SECTION RD
City	WESTMINSTER
State	MD
Zip	21158-2611
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	37.02 ACRES NE OF CROSS SECTION ROAD S OF ARTERS MILL
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	2
Census Block	2002
Census Tract	502000

Owner

Source: Carroll County records · APN 02-013673

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	2401 CROSS SECTION RD, WESTMINSTER, MD 21158-2611
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 07, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 07, 2021	Deed of Trust, Mortgage · Unknown FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 28, 2018	Deed of Trust, Mortgage · ARM CARROLL COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 24, 2003 · Amount on Record
Deed Sale	Sep 24, 2003 · Amount on Record
Deed Document Number	20031365
Deed Book / Page	3657 / 434
Last Transfer Date	Aug 31, 2005
Transfer Doc	0045890096
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2401 CROSS SECTION RD, WESTMINSTER, MD 21158-2611
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 CROSS SECTION RD, WESTMINSTER, MD 21158-2611

Mortgage

Document Number	0105890145
Date	Dec 07, 2021
Book Page	10589/145

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	OWINGS MILLS, MD 21117

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2401 CROSS SECTION RD, WESTMINSTER, MD 21158-2611
Transaction Type	Mortgage
Record Updated	Dec 24, 2021
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 CROSS SECTION RD, WESTMINSTER, MD 21158-2611

Mortgage

Document Number	0105890198
Date	Dec 07, 2021
Book Page	10589/198

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	OWINGS MILLS, MD 21117

Agreement

Type	Unknown
Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2401 CROSS SECTION RD, WESTMINSTER, MD 21158-2611
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0089740074
Date	Mar 28, 2018
Book Page	8974/0074

Lender

Name	CARROLL COMMUNITY BANK
Type	Bank
Address	SYKESVILLE, MD 21784

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.49%
Type Change Date	Apr 01, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.49%
Index	1-Year LIBOR
Max Rate	8.49%

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$426,000 (+13.36%) Land $142,700 Building $283,300	$426,000 (-) Land $142,700 Building $283,300
2025	$4,268.00 (+37.15%)	$375,800 (+36.46%)	$426,000 (+54.68%) Land $142,700 Building $283,300
2023	$3,112.00	$275,400 Land $142,700 Building $132,700	$275,400 Land $142,700 Building $132,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135020002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Sep 2003, river or lake flooding, Hurricane Isabel

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 8 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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