3490 Arters Mill Rd, Westminster, MD 21158 Property Records

Carroll County property record for 3490 Arters Mill Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,600 sqft · built 1990
Lot Size	2.41 acres (104,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,000 (Oct 2009)
Tax Bill	$4,597 (2026)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-022102`

Property Details

APN / Parcel Number

Primary APN	`03-022102`
Alternative APNs	`3022102` `022102`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,600 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	104,980 sqft (2.41 acres)
Porch	Slab
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	022102
Street Address	3490 ARTERS MILL RD
City	WESTMINSTER
State	MD
Zip	21158-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 9 - 2.41 ACS W/S ARTERS MILL RD 22-24 ERIC A GANJON PROP SC 2
Legal Subdivision	GANION ERIC A PROP
Legal Lot Number	9
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	2
Census Block	2003
Census Tract	503000

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	3490 ARTERS MILL RD, WESTMINSTER, MD 21158-1806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2009 · Amount on Record
Deed Sale	Oct 30, 2009 · Amount on Record
Prior Sale	Jul 2, 2009 · Amount on Record
Deed Document Number	20091072
Deed Book / Page	6007 / 305
Transfer Doc	1601000715
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3490 ARTERS MILL RD, WESTMINSTER, MD 21158-1806
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3490 ARTERS MILL RD, WESTMINSTER, MD 21158-1806

Mortgage

Document Number	0105780247
Date	Nov 30, 2021
Book Page	10578/247

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	259 Months
Due	Jun 1, 2043

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	$4,597.00 (+5.27%) Homeowner's exemption	$416,700 (+18.52%)	$480,900 (+25.04%) Land $164,100 Building $316,800
2025	$4,367.00 (+9.92%) Homeowner's exemption
2023	$3,973.00 (+4.94%) Homeowner's exemption	$351,600 (+4.92%)	$384,600 (+14.77%) Land $139,100 Building $245,500
2022	$3,786.00 Homeowner's exemption	$335,100 Land $139,100 Building $196,000	$335,100 Land $139,100 Building $196,000

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

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.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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