Carroll County property record for 2451 Ridge Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,232 sqft · built 1987 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Aug 2019) |
| Tax Bill | $5,152 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Aug 2019 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-003908 |
| Primary APN | 09-003908 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,232 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 50,965 sqft (1.17 acres) |
| Porch | Slab |
| Porch Area | 176 sqft |
| Deck Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 003908 |
|---|---|
| Street Address | 2451 RIDGE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT 2 - 1.17 ACS 2451 RIDGE RD 8-36 HARMONY HILL ESTS |
| Legal Subdivision | HARMONY HILL ESTATES |
| Legal Lot Number | 2 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 509001 |
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 | 2451 RIDGE RD, WESTMINSTER, MD 21157-7448 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC |
| Aug 6, 2019 | Deed, Transfer · Conventional Mortgage GEORGE MASON MORTGAGE LLC |
| Nov 30, 2017 | Grant Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| Aug 15, 2017 | Grant Deed, Transfer ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO |
| Feb 22, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2019 · Amount on Record |
| Deed Sale | Aug 6, 2019 · Amount on Record |
| Prior Sale | Nov 30, 2017 · Amount on Record |
| Deed Book / Page | 9368 / 57 |
| Prior Transfer Date | Jan 19, 2017 |
| Prior Transfer Doc | 0086160409 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 2451 RIDGE RD, WESTMINSTER, MD 21157-7448 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0102170258 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | 10217/258 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 6, 2019 |
| Property Address | 2451 RIDGE RD, WESTMINSTER, MD 21157-7448 |
| Document Number | 0093680057 |
| Book / Page | 9368 / 0057 |
| Map Reference | MB 8 FO 36 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | KEY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2451 RIDGE RD, WESTMINSTER, MD 21157-7448 |
| Document Number | 0000936864 |
|---|---|
| Date | Aug 6, 2019 |
| Instrument | 9368/64 |
| Name | GEORGE MASON MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Nov 30, 2017 |
| Property Address | 2451 RIDGE RD, WESTMINSTER, MD 21157-7448 |
| Document Number | 0088760283 |
| Book / Page | 008876 / 000283 |
| Instrument Date | Nov 20, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | UNIVERSAL TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $331.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2451 RIDGE RD WESTMINSTER MD 211577448, WESTMINSTER, MD 21157-7448 |
| Document Number | 88760288 |
|---|---|
| Date | Nov 30, 2017 |
| Book Page | 008876/000288 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 29, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 15, 2017 |
| Property Address | 2451 RIDGE RD, WESTMINSTER, MD 21157-7448 |
| Document Number | 0087750438 |
| Book / Page | 008775 / 000438 |
| Instrument Date | Jul 6, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2017 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $202.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 612 OKEMO DR SYKESVILLE MD 217848974, SYKESVILLE, MD 21784-8974 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Feb 22, 2017 |
| Property Address | 2451 RIDGE RD, WESTMINSTER, MD 21157-7448 |
| Document Number | 0086160409 |
| Book / Page | 008616 / 000409 |
| Instrument Date | Jan 19, 2017 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5720 PREMIER PARK DR WEST PALM BEACH FL 334071610, WEST PALM BEACH, FL 33407-1610 |
| Investor | Possibly a Property Investor |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,152.00 (+7.53%) | $454,733 (+7.64%) | $487,000 (-) Land $201,700 Building $285,300 |
| 2025 | $4,791.00 (+14.78%) | $422,467 (+14.34%) | $487,000 (+24.81%) Land $201,700 Building $285,300 |
| 2023 | $4,174.00 | $369,467 | $390,200 Land $181,700 Building $208,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 23 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures