Somerset County property record for 31549 Ramsay Ln, Westover, MD 21871
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,689 sqft · built 1900 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,998 (2026) |
| Deeds & Mortgages | Dec 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-055841 |
| Primary APN | 03-055841 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,689 sqft Total Area |
| Utility Area | 286 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 210 sqft |
| Deck Area | 928 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 055841 |
|---|---|
| Street Address | 31549 RAMSAY LN |
| City | WESTOVER |
| State | MD |
| Zip | 21871-3601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | 2.00 AC-L 1A--PL 39/ ON POCOMOKE RIV-E/REHBTH RES LUCILLE & DON RAMSAY |
| Legal Lot Number | 1A |
| Jurisdiction | SOMERSET MD |
| Township / Civil Division | 3, BRINKLEYS |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 930500 |
31549 Ramsay Ln is owned and occupied by an individual who acquired it in March 2025.
Source: Somerset County records, as of October 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 31549 RAMSAY LN, WESTOVER, MD 21871-3601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 28, 2025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SOMERSET MD |
| Recording Date | Dec 21, 2023 |
| Property Address | 31549 RAMSAY LN, WESTOVER, MD 21871-3601 |
| Document Number | 0013270121 |
| Book / Page | 1327 / 121 |
| Map Reference | MB 39 PG 84 |
| Instrument Date | Dec 7, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 31549 RAMSAY LN, WESTOVER, MD 21871-3601 |
The 2026 property tax bill for 31549 Ramsay Ln was $3,998 with a homeowner's exemption, up 8.1% from the year before.
Source: Somerset County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Somerset County |
| Unified School District | Somerset County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,998.00 (+8.05%) Homeowner's exemption | $363,700 (+10.82%) | $399,200 (-) Land $210,000 Building $189,200 |
| 2025 | $3,700.00 Homeowner's exemption | $328,200 | $399,200 Land $210,000 Building $189,200 |
| 2023 | $3,083.00 Homeowner's exemption | $277,300 | $289,500 Land $175,300 Building $114,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31549 Ramsay Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective February 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 62 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 62 in force |
| Nearby Flood Claims | 24 (1991–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Dec 2022 · other causes |
| Claims by Event |
|
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 risk around 31549 Ramsay Ln is high, ranking above 74% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 96% of Maryland |
|---|---|
| Wildfire Likelihood | 0.2% 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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