2739 Stone Rd, Westminster, MD 21158 Property Records

Carroll County property record for 2739 Stone Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,188 sqft · built 2021
Lot Size	6.45 acres (280,962 sqft)
Owner	2 Individual Names on File
Last Sale	$127,980 (Aug 2019)
Tax Bill	$4,167 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Mar 2021 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-022737`

Property Details

APN / Parcel Number

Primary APN	`02-022737`
Alternative APN	`022737`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Total Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	280,962 sqft (6.45 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022737
Street Address	2739 STONE RD
City	WESTMINSTER
State	MD
Zip	21158-1829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	OC - 6.203 ACS 57 PAR A - 0.252 ACS 51-18 SILVER RUN ESTS M20 P180
Legal Subdivision	SILVER RUN
Legal Lot Number	OC
Jurisdiction	CARROLL MD
Township / Civil Division	2, UNIONTOWN
Census Block Group	2
Census Block	2003
Census Tract	502000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2739 STONE RD, WESTMINSTER, MD 21158-1829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 5, 2021	Deed of Trust, Mortgage · Construction Mortgage MIDDLETOWN VALLEY BANK
Mar 5, 2021	Deed of Trust, Mortgage · Construction Mortgage MIDDLETOWN VALLEY BANK
Aug 13, 2019	Grant Deed, Transfer · Construction Mortgage JOHN W ANDERSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2019 · Amount on File
Deed Sale	Aug 13, 2019 · Amount on File
Deed Book / Page	9374 / 275
Prior Transfer Date	Aug 26, 2009
Prior Transfer Doc	0059540068
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2739 STONE RD, WESTMINSTER, MD 21158-1829
Transaction Type	Mortgage
Record Updated	Jun 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2739 STONE RD, WESTMINSTER, MD 21158-1829

Mortgage

Document Number	0107960362
Date	Jun 8, 2022
Book Page	10796/362

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	476 Months
Due	Feb 1, 2062

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2739 STONE RD, WESTMINSTER, MD 21158-1829
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SAFEGUARD TITLE INSURANCE AGENCY INC, SAFEGUARD TITLE INS AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101450279
Date	Mar 5, 2021
Book Page	10145/279

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	MIDDLETOWN, MD 21769

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 28, 2022

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	2739 STONE RD, WESTMINSTER, MD 21158-1829
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SAFEGUARD TITLE INSURANCE AGENCY INC, SAFEGUARD TITLE INS AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101450296
Date	Mar 5, 2021
Book Page	10145/296

Lender

Name	MIDDLETOWN VALLEY BANK
Type	Bank
Address	LADIESBURG, MD 21759

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.5%
Index	Other
Margin	3
Max Rate	8.5%

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 13, 2019
Property Address	2739 STONE RD, WESTMINSTER, MD 21158-1829
Document Number	0093740275
Book / Page	009374 / 000275
Instrument Date	Jul 29, 2019
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	SAFEGUARD TITLE INSURANCE AGENCY INC, SAFEGUARD TITLE INS AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.98
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	211 TREVANION RD TANEYTOWN MD 21787, TANEYTOWN, MD 21787

Mortgage

Document Number	93740280
Date	Aug 13, 2019
Book Page	009374/000280

Lender

Name	JOHN W ANDERSON
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 12, 2020

Tax Assessment & Valuation

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	$4,167.00 (+5.09%) Homeowner's exemption	$385,500 (+6.49%) Land $162,200 Building $223,300	$385,500 (-) Land $162,200 Building $223,300
2025	$3,965.00 (+11.41%) Homeowner's exemption	$362,000 (+14.92%)	$385,500 (+22.38%) Land $162,200 Building $223,300
2023	$3,559.00 Homeowner's exemption	$315,000 Land $162,200 Building $152,800	$315,000 Land $162,200 Building $152,800

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

Flood

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.

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	Direct burnable vegetation

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

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