Carroll County property record for 3510 Nicholson Rd, Westminster, MD 21157
| Property Type | Rural Home |
|---|---|
| Details | 2.5 ba · 2,020 sqft · built 2005 |
| Lot Size | 20 acres (871,897 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (May 2005) |
| Tax Bill | $5,259 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-070496 |
| Primary APN | 04-070496 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,020 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 871,897 sqft (20 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 240 sqft |
| Deck Area | 320 sqft |
| Shed | 1 Shed |
| Shed Area | 2,400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 070496 |
|---|---|
| Street Address | 3510 NICHOLSON RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-8238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT - 20.0159 ACS 3510 NICHOLSON RD E/S JIM BOWERS RD |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 4, WOOLERYS |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 504202 |
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 | 3510 NICHOLSON RD, WESTMINSTER, MD 21157-8238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ACNB BK |
| Apr 29, 2019 | Deed of Trust, Mortgage QUICKEN LNS |
| Jul 23, 2018 | Deed of Trust, Mortgage · Line of Credit NWSB BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2005 · Amount on Record |
| Deed Sale | May 2, 2005 · Amount on Record |
| Deed Document Number | 200544826 |
| Deed Book / Page | 4407 / 293 |
| Last Transfer Date | Jun 27, 2024 |
| Transfer Doc | 0113450340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3510 NICHOLSON RD, WESTMINSTER, MD 21157-8238 |
| Document Number | 0097970057 |
| Instrument Date | Aug 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2020 |
| Title Company | MARYLAND TITLE CENTER LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3510 NICHOLSON RD WESTMINSTER MD 211578238, WESTMINSTER, MD 21157-8238 |
| Document Number | 0097970057 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 009797/000057 |
| Name | ACNB BK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3510 NICHOLSON RD, WESTMINSTER, MD 21157-8238 |
| Document Number | 0092910447 |
| Instrument Date | Apr 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3510 NICHOLSON RD WESTMINSTER MD 211578238, WESTMINSTER, MD 21157-8238 |
| Document Number | 0092910447 |
|---|---|
| Date | May 16, 2019 |
| Book Page | 009291/000447 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 15, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3510 NICHOLSON RD, WESTMINSTER, MD 21157-8238 |
| Document Number | 0090840395 |
| Instrument Date | Jul 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Title Company | CORPORATE SETTLEMENT SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 3510 NICHOLSON RD WESTMINSTER MD 211578238, WESTMINSTER, MD 21157-8238 |
| Document Number | 0090840395 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | 009084/000395 |
| Name | NWSB BANK |
|---|---|
| Address | 16 LINCOLN SQ, GETTYSBURG, PA 17325-2205 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $5,259.00 (+4.72%) Homeowner's exemption | $504,800 (+5.54%) | $557,800 (+16.62%) Land $183,500 Building $374,300 |
| 2025 | $5,022.00 (+7.31%) Homeowner's exemption | $478,300 (+15.47%) Land $163,500 Building $314,800 | $478,300 (-) Land $163,500 Building $314,800 |
| 2023 | $4,680.00 Homeowner's exemption | $414,233 | $478,300 Land $163,500 Building $314,800 |
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 · 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.
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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Quantum Internet & Telephone Fiber | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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