3403 Pine Cir N, Westminster, MD 21157 Property Records

Carroll County property record for 3403 Pine Cir N, Westminster, MD 21157

Property Summary

Property Type	Exempt (Full or Partial)
Details	3.5 ba · 1,438 sqft · built 1978
Lot Size	0.922 acres (40,162 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jul 2025)
Tax Bill	$120 (2026)
Deeds & Mortgages	Aug 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-039890`

Property Details

APN / Parcel Number

Primary APN	`04-039890`
Alternative APNs	`4039890` `039890`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,438 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,162 sqft (0.922 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	600 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	039890
Street Address	3403 PINE CIR N
City	WESTMINSTER
State	MD
Zip	21157-8305
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	R-400
Legal Description	LT 6 - 40162 SQ FT 3403 N PINE CIR 17-4 WHITE PINE ACS SC 1
Legal Subdivision	WHITE PINE ACRES SEC 01
Legal Lot Number	6
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	2
Census Block	2009
Census Tract	504202

Owner

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	3403 PINE CIR N, WESTMINSTER, MD 21157-8305
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2025 · Amount on Record
Deed Sale	Jul 23, 2025 · Amount on Record
Prior Sale	Oct 26, 1999 · Amount on Record
Deed Book / Page	11525 / 316
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	Aug 31, 2026
Property Address	3403 PINE CIR N, WESTMINSTER, MD 21157-8305
Document Number	1185000307
Book / Page	11852 / 307
Instrument Date	Apr 21, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3403 PINE CIR N, WESTMINSTER, MD 21157-8305

Mortgage

Document Number	1185000307,
Date	Aug 31, 2026
Book Page	11852/307

Lender

Name	UNITED MORTGAGE LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$120.00 (-97.42%)	$453,533 (+20.06%)	$506,800 (+18.72%) Land $180,000 Building $326,800
2025	$4,659.00 (+9.16%) Homeowner's exemption
2023	$4,268.00 Homeowner's exemption	$377,767	$426,900 Land $160,000 Building $266,900

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30