3305 Nicholson Rd, Westminster, MD 21157 Property Records

Carroll County property record for 3305 Nicholson Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,960 sqft · built 2024
Lot Size	6.25 acres (272,555 sqft)
Owner	2 Individual Names on File
Last Sale	$155,245 (Jun 2021)
Tax Bill	$7,493 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2023 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04-432103`

Property Details

APN / Parcel Number

Primary APN	`04-432103`
Alternative APN	`432103`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,960 sqft Total Area
Basement Area	1,654 sqft
Finished Basement	1,654 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	272,555 sqft (6.25 acres)

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Deck Area	420 sqft
Balcony Area	395 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	432103
Street Address	3305 NICHOLSON RD
City	WESTMINSTER
State	MD
Zip	21157-8233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	O/C #1 - 6.2574 ACS 3305 NICHOLSON RD NR BIRD HILL
Legal Lot Number	OC1
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	2
Census Block	2006
Census Tract	504202

Owner

3305 Nicholson Rd is owned and occupied by two individuals who acquired it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3305 NICHOLSON RD, WESTMINSTER, MD 21157-8233
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Aug 23, 2023	Deed of Trust, Mortgage · Construction Mortgage MILLENNIUM FINANCIAL GROUP INC
Aug 23, 2023	Deed of Trust, Mortgage · Construction Mortgage MILLENNIUM FINANCIAL GROUP INC
Nov 22, 2022	Intrafamily Transfer, Transfer
Jun 11, 2021	Deed, Transfer · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND
Sep 3, 2019	Deed of Trust, Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on File
Deed Sale	Jun 11, 2021 · Amount on File
Deed Book / Page	10313 / 389
Last Transfer Date	Nov 2, 2022
Transfer Doc	0109330334
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3305 NICHOLSON RD, WESTMINSTER, MD 21157-8233
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3305 NICHOLSON RD, WESTMINSTER, MD 21157-8233

Mortgage

Document Number	0116670439
Date	Jan 15, 2026
Book Page	11667/439

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	NICHOLSON RD, FINKSBURG, MD 21048
Transaction Type	Mortgage
Record Updated	Sep 7, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 E NICODEMUS RD, WESTMINSTER, MD 21157-7525

Mortgage

Document Number	0110980425
Date	Aug 23, 2023
Book Page	11098/425

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution
Address	MYSTIC, GA 31769

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Jul 1, 2024

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	NICHOLSON RD, FINKSBURG, MD 21048
Transaction Type	Mortgage
Record Updated	Sep 7, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	550 E NICODEMUS RD, WESTMINSTER, MD 21157-7525

Mortgage

Document Number	0110980450
Date	Aug 23, 2023
Book Page	11098/450

Lender

Name	MILLENNIUM FINANCIAL GROUP INC
Type	Lending Institution
Address	MIDDLETOWN, MD 21769

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Jun 30, 2024

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Nov 22, 2022
Property Address	NICHOLSON RD, FINKSBURG, MD 21048
Document Number	0109330334
Book / Page	10933 / 334
Instrument Date	Nov 2, 2022
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	560 E NICODEMUS RD, WESTMINSTER, MD 21157-7525

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 11, 2021
Property Address	NICHOLSON RD, FINKSBURG, MD 21048
Document Number	0103130389
Book / Page	10313 / 389
Instrument Date	May 21, 2021
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2512 NAUDEBU RD, WESTMINSTER, MD 21158

Mortgage

Document Number	0010313397
Date	Jun 11, 2021
Instrument	10313/397

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	NICHOLSON RD, FINKSBURG, MD 21048
Document Number	0093980343
Instrument Date	Sep 3, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0093980343
Date	Sep 5, 2019
Book Page	009398/000343

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 3305 Nicholson Rd was $7,493 with a homeowner's exemption, up 1.7% from the year before.

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	$7,493.00 (+1.74%) Homeowner's exemption	$663,800 (+0.23%)	$666,800 (+0.68%) Land $216,200 Building $450,600
2025	$7,365.00 Homeowner's exemption	$662,300 Land $196,200 Building $466,100	$662,300 Land $196,200 Building $466,100
2023	$1,840.00	$162,867	$176,200 Land $176,200

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

Flood

FEMA maps place 3305 Nicholson Rd in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 3305 Nicholson Rd is low, with a 0.01% annual chance of 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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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