Carroll County property record for 2454 Cross Section Rd, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,044 sqft · built 1992 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $172,900 (May 2001) |
| Tax Bill | $3,493 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-019590 |
| Primary APN | 02-019590 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,044 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 44,867 sqft (1.03 acres) |
| Porch | Slab |
| Porch Area | 420 sqft |
| Deck Area | 40 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 019590 |
|---|---|
| Street Address | 2454 CROSS SECTION RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-2607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT 7 - 1.03 ACS CROSS SECTION RD35-66/65 ERBS PLEASURE |
| Legal Subdivision | ERBS PLEASURE |
| Legal Lot Number | 7 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 2, UNIONTOWN |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 502000 |
Source: Carroll County records, as of August 18, 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 | 2454 CROSS SECTION RD, WESTMINSTER, MD 21158-2607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND |
| Jun 10, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2001 · Amount on Record |
| Deed Sale | May 24, 2001 · Amount on Record |
| Prior Sale | Apr 19, 1999 · Amount on Record |
| Deed Document Number | 20014547 |
| Deed Book / Page | 2549 / 564 |
| Transfer Doc | 0000973222 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 2454 CROSS SECTION RD, WESTMINSTER, MD 21158-2607 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2454 CROSS SECTION RD, WESTMINSTER, MD 21158-2607 |
| Document Number | 0105570312 |
|---|---|
| Date | Nov 15, 2021 |
| Book Page | 10557/312 |
| Name | FIRST FINANCIAL FCU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Address | SPARKS GLENCOE, MD 21152 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 2454 CROSS SECTION RD, WESTMINSTER, MD 21158-2607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0093120138 |
|---|---|
| Date | Jun 10, 2019 |
| Book Page | 9312/0138 |
| Name | FIRST FINANCIAL FCU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 3, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Carroll County assessment roll, as of August 5, 2025
| 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 | $379,800 (+10.09%) Land $125,300 Building $254,500 | $379,800 (-) Land $125,300 Building $254,500 | |
| 2025 | $3,493.00 (+12.24%) Homeowner's exemption | $345,000 (+25.27%) | $379,800 (+37.91%) Land $125,300 Building $254,500 |
| 2023 | $3,112.00 Homeowner's exemption | $275,400 Land $125,300 Building $150,100 | $275,400 Land $125,300 Building $150,100 |
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 · 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 | 4 in force |
| Nearby Flood Claims | 1 (2003) |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
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.
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 11 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 |
| AT&T Fixed Wireless | 100 / 20 |
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