3534 Arters Mill Rd, Westminster, MD 21158 Property Records

Carroll County property record for 3534 Arters Mill Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,028 sqft · built 1979
Lot Size	2.15 acres (93,828 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,900 (May 2018)
Tax Bill	$3,421 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-008290`

Property Details

APN / Parcel Number

Primary APN	`03-008290`
Alternative APNs	`3008290` `008290`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,028 sqft Total Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	93,828 sqft (2.15 acres)
Garage Type	Detached
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Deck Area	180 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	008290
Street Address	3534 ARTERS MILL RD
City	WESTMINSTER
State	MD
Zip	21158-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 2.1539 ACS 3534 ARTERS MILL RD N OF ARTERS MILL
Legal Subdivision	ARTERS MILL
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	3534 ARTERS MILL RD, WESTMINSTER, MD 21158-1808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Aug 16, 2019	Deed of Trust, Mortgage · FHA Mortgage NFM LNDG
May 11, 2018	Grant Deed, Transfer · FHA Mortgage NFM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2018 · Amount on Record
Deed Sale	May 11, 2018 · Amount on Record
Prior Sale	Sep 10, 1986 · Amount on Record
Deed Book / Page	9011 / 346
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3534 ARTERS MILL RD, WESTMINSTER, MD 21158-1808
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101740048
Date	Mar 22, 2021
Book Page	10174/48

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	Mar 30, 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	3534 ARTERS MILL RD, WESTMINSTER, MD 21158-1808
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100790262
Date	Jan 29, 2021
Book Page	10079/262

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3534 ARTERS MILL RD, WESTMINSTER, MD 21158-1808
Document Number	0094020048
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 ARTERS MILL RD WESTMINSTER MD 211581808, WESTMINSTER, MD 21158-1808

Mortgage

Document Number	0094020048
Date	Sep 9, 2019
Book Page	009402/000048

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	May 11, 2018
Property Address	3534 ARTERS MILL RD, WESTMINSTER, MD 21158-1808
Document Number	0090110346
Book / Page	009011 / 000346
Instrument Date	May 7, 2018
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3534 ARTERS MILL RD WESTMINSTER MD 211581808, WESTMINSTER, MD 21158-1808

Mortgage

Document Number	90110352
Date	May 11, 2018
Book Page	009011/000352

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2048

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	$3,421.00 (+5.26%) Homeowner's exemption	$373,967 (+28.28%)	$412,700 (+16.38%) Land $161,500 Building $251,200
2025	$3,250.00 (-1.34%) Homeowner's exemption
2023	$3,294.00 Homeowner's exemption	$291,533	$354,600 Land $136,500 Building $218,100

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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