3 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 3 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,678 sqft · built 1925
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$206,500 (Aug 2001)
Tax Bill	$5,263 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-065450`

Property Details

APN / Parcel Number

Primary APN	`07-065450`
Alternative APNs	`7065450` `065450`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,678 sqft Total Area
Basement Area	312 sqft
Finished Basement	312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	210 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	388 sqft
Deck Area	312 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	065450
Street Address	3 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-4414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 39 - 10500 SF RIDGE RD PLT 1B-113 SMITHS ADD
Legal Subdivision	SMITHS ADD
Legal Lot Number	39
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2003
Census Tract	507702

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 Record
Mailing Address	3 RIDGE RD, WESTMINSTER, MD 21157-4414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL FINANCIAL FEDERAL CREDIT UNION
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2001 · Amount on Record
Deed Sale	Aug 20, 2001 · Amount on Record
Prior Sale	Mar 5, 1993 · Amount on Record
Deed Document Number	2001630
Deed Book / Page	2624 / 333
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	Jun 17, 2026
Property Address	3 RIDGE RD, WESTMINSTER, MD 21157-4414
Document Number	1179000165
Book / Page	11794 / 165
Instrument Date	Jun 9, 2026
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3 RIDGE RD, WESTMINSTER, MD 21157-4414

Mortgage

Document Number	1179000165,
Date	Jun 17, 2026
Book Page	11794/165

Lender

Name	FEDERAL FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.71%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3 RIDGE RD, WESTMINSTER, MD 21157-4414
Transaction Type	Mortgage
Record Updated	May 10, 2021
Title Company	ASSOCIATED TITLE COMPANY, ASSOCIATES TITLE SERVICES IC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100850299
Date	Feb 4, 2021
Book Page	10085/299

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	MANOMET, MA 2345

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,263.00 (+6.09%)	$313,300 (+6.1%) Land $85,500 Building $227,800	$313,300 (-) Land $85,500 Building $227,800
2025	$4,961.00 (+13.21%)	$295,300 (+13.88%)	$313,300 (+20.83%) Land $85,500 Building $227,800
2023	$4,382.00	$259,300 Land $85,500 Building $173,800	$259,300 Land $85,500 Building $173,800

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
Nearby Flood Claims	1 (1985)
Most Recent Claim	Feb 1985 · tidal / storm surge

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 452 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
AT&T Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone, Verizon.

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