3494 Arters Mill Rd, Westminster, MD 21158 Property Records

Carroll County property record for 3494 Arters Mill Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,080 sqft · built 1986
Lot Size	3.35 acres (145,926 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,500 (Jan 2003)
Tax Bill	$3,385 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-020525`

Property Details

APN / Parcel Number

Primary APN	`03-020525`
Alternative APNs	`3020525` `020525`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,080 sqft Total Area
Basement Area	440 sqft
Finished Basement	440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	145,926 sqft (3.35 acres)

Exterior Amenities

Porch	Slab
Porch Area	196 sqft
Deck Area	280 sqft
Shed	1 Shed
Shed Area	1,440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	020525
Street Address	3494 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 7 - 3.35 ACS ARTERS MILL RD 22-24 GANJON PROPERTY SC 2
Legal Subdivision	GANJON ERIC A PROP
Legal Lot Number	7
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 August 18, 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	3494 ARTERS MILL RD, WESTMINSTER, MD 21158-1806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2003 · Amount on Record
Deed Sale	Jan 23, 2003 · Amount on Record
Prior Sale	Nov 15, 2002 · Amount on Record
Deed Document Number	200323435
Deed Book / Page	3223 / 62
Last Transfer Date	Sep 20, 2006
Transfer Doc	0050130105
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3494 ARTERS MILL RD, WESTMINSTER, MD 21158-1806
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100490125
Date	Jan 13, 2021
Book Page	10049/125

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 12, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3494 ARTERS MILL RD, WESTMINSTER, MD 21158-1806
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100490109
Date	Jan 13, 2021
Book Page	10049/109

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$331,233 (+10.71%)	$395,300 (+32.12%) Land $171,700 Building $223,600
2025	$3,385.00 (+10.73%) Homeowner's exemption	$299,200 (+10.57%) Land $146,700 Building $152,500	$299,200 (-) Land $146,700 Building $152,500
2023	$3,057.00 (+5.56%) Homeowner's exemption	$270,600 (+5.58%)	$299,200 (+16.74%) Land $146,700 Building $152,500
2022	$2,896.00 Homeowner's exemption	$256,300 Land $146,700 Building $109,600	$256,300 Land $146,700 Building $109,600

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.

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