3496 Arters Mill Rd, Westminster, MD 21158 Property Records

Carroll County property record for 3496 Arters Mill Rd, Westminster, MD 21158 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,056 sqft · built 1982
Lot Size	1.85 acres (80,586 sqft)
Owner	2 Individual Names on File
Last Sale	$126,300 (Dec 1990)
Tax Bill	$2,855 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-020509`

Property Details

APN / Parcel Number

Primary APN	`03-020509`
Alternative APNs	`3020509` `020509`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Total Area
1st Floor Area	220 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	80,586 sqft (1.85 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	484 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	020509
Street Address	3496 ARTERS MILL RD
City	WESTMINSTER
State	MD
Zip	21158-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5 - 1.85 ACS ARTERS MILL RD 22-24 GANJON PROPERTY
Legal Subdivision	ERIC A GANION PROP SEC 2
Legal Lot Number	5
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	2
Census Block	2003
Census Tract	503000

Owner

Source: Carroll County records · APN 03-020509

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	3496 ARTERS MILL RD, WESTMINSTER, MD 21158-1806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 1990 · Amount on Record
Deed Sale	Dec 20, 1990 · Amount on Record
Deed Book / Page	1248 / 488
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3496 ARTERS MILL RD, WESTMINSTER, MD 21158-1806
Transaction Type	Mortgage
Record Updated	Apr 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3496 ARTERS MILL RD, WESTMINSTER, MD 21158-1806

Mortgage

Document Number	0110070355
Date	Apr 05, 2023
Book Page	11007/355

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$279,600 (+9.86%)	$329,800 (+29.59%) Land $158,500 Building $171,300
2025	$2,855.00 (+10.7%) Homeowner's exemption	$254,500 (+11.51%) Land $133,500 Building $121,000	$254,500 (-) Land $133,500 Building $121,000
2023	$2,579.00 Homeowner's exemption	$228,233	$254,500 Land $133,500 Building $121,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.