Carroll County property record for 286 Lodestone Ct, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,014 sqft · built 2000 |
| Lot Size | 0.195 acres (8,507 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $492,000 (Mar 2023) |
| Tax Bill | $7,895 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-142099 |
| Primary APN | 07-142099 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,014 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 8,507 sqft (0.195 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 182 sqft |
| Deck Area | 471 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 142099 |
|---|---|
| Street Address | 286 LODESTONE CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-9470 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-4 |
| Legal Description | LT 3 - 8499 SF 286 LODESTONE CT 44-164/ STONERIDGE OVERLOOK PH 1 |
| Legal Subdivision | STONERIDGE OVERLOOK |
| Legal Phase | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 507704 |
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 | 286 LODESTONE CT, WESTMINSTER, MD 21158-9470 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2023 | Deed, Transfer · FHA Mortgage KEYSTONE FUNDING INC |
| May 21, 2019 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 2023 · Amount on Record |
| Deed Sale | Mar 9, 2023 · Amount on Record |
| Prior Sale | May 21, 2019 · Amount on Record |
| Deed Book / Page | 10992 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Mar 9, 2023 |
| Property Address | 286 LODESTONE CT, WESTMINSTER, MD 21158-9470 |
| Document Number | 0109920001 |
| Book / Page | 10992 / 1 |
| Map Reference | MB 44 PG 165 |
| Instrument Date | Mar 3, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2023 |
| Title Company | NOT AVAILABLE, BRENNAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,230.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 286 LODESTONE CT, WESTMINSTER, MD 21158-9470 |
| Document Number | 0109920010 |
|---|---|
| Date | Mar 9, 2023 |
| Instrument | 10992-0010 |
| Name | KEYSTONE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 21, 2019 |
| Property Address | 286 LODESTONE CT, WESTMINSTER, MD 21158-9470 |
| Document Number | 0092950030 |
| Book / Page | 9295 / 0030 |
| Map Reference | MB 44 PG 165 |
| Instrument Date | May 9, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | RGS TITLE LLC |
| 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 | 286 LODESTONE CT, WESTMINSTER, MD 21158-9470 |
| Document Number | 0000929537 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 9295/37 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,895.00 (+5.92%) Homeowner's exemption | $482,300 (+31.52%) Land $90,000 Building $392,300 | $482,300 (+31.52%) Land $90,000 Building $392,300 |
| 2025 | $7,454.00 (+20.28%) Homeowner's exemption | ||
| 2023 | $6,197.00 | $366,700 Land $98,000 Building $268,700 | $366,700 Land $98,000 Building $268,700 |
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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2012 · Hurricane Sandy |
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 484 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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