Carroll County property record for 3439 Ridge Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,816 sqft · built 1920 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $295,000 (Dec 2019) |
| Tax Bill | $3,631 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-003037 |
| Primary APN | 09-003037 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,816 sqft Total Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,000 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Deck Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 003037 |
|---|---|
| Street Address | 3439 RIDGE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT - 20000 SF 3439 RIDGE RD NR E/S WESTVIEW RD |
| Legal Subdivision | GYPSY HILL |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 509001 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3439 RIDGE RD, WESTMINSTER, MD 21157-7738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Apr 15, 2020 | Deed of Trust, Mortgage WATERSTONE MTG CORP |
| Dec 26, 2019 | Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Sep 22, 2017 | Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 26, 2019 · Amount on Record |
| Deed Sale | Dec 26, 2019 · Amount on Record |
| Prior Sale | Sep 22, 2017 · Amount on Record |
| Deed Book / Page | 9518 / 119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3439 RIDGE RD, WESTMINSTER, MD 21157-7738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST QUALITY TITLE, FIRST EQUITY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0100280043 |
|---|---|
| Date | Jan 5, 2021 |
| Book Page | 10028/443 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3439 RIDGE RD, WESTMINSTER, MD 21157-7738 |
| Document Number | 0096660208 |
| Instrument Date | Apr 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | FIRST EQUITY TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3439 RIDGE RD WESTMINSTER MD 211577738, WESTMINSTER, MD 21157-7738 |
| Document Number | 0096660208 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 009666/000208 |
| Name | WATERSTONE MTG CORP |
|---|---|
| Type | Mortgage Company |
| Address | PEWAUKEE, WI 53072 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 7, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 26, 2019 |
| Property Address | 3439 RIDGE RD, WESTMINSTER, MD 21157-7738 |
| Document Number | 0095180119 |
| Book / Page | 9518 / 0119 |
| Instrument Date | Dec 11, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | BRENNAN TTL CO NATL ACCOUNTS |
| 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 in Severalty |
| Address | 3439 RIDGE RD, WESTMINSTER, MD 21157-7738 |
| Document Number | 0095180128 |
|---|---|
| Date | Dec 26, 2019 |
| Book Page | 9518/0128 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | PEWAUKEE, WI 53072 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 22, 2017 |
| Property Address | 3439 RIDGE RD, WESTMINSTER, MD 21157-7738 |
| Document Number | 0088130048 |
| Book / Page | 008813 / 000048 |
| Instrument Date | Sep 19, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3439 RIDGE RD WESTMINSTER MD 211577738, WESTMINSTER, MD 21157-7738 |
| Document Number | 88130056 |
|---|---|
| Date | Sep 22, 2017 |
| Book Page | 008813/000056 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 21, 2047 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,631.00 (+5.19%) Homeowner's exemption | $399,133 (+18.73%) | $411,200 (+9.65%) Land $160,000 Building $251,200 |
| 2025 | $3,452.00 (-9.11%) Homeowner's exemption | ||
| 2023 | $3,798.00 Homeowner's exemption | $336,167 | $375,000 Land $160,000 Building $215,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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