3540 Arters Mill Rd, Westminster, MD 21158 Property Records

Carroll County property record for 3540 Arters Mill Rd, Westminster, MD 21158 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1961
Lot Size	1.92 acres (83,635 sqft)
Owner	Individual Name on File
Last Sale	$244,000 (Feb 2021)
Tax Bill	$2,670 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-000869`

Property Details

APN / Parcel Number

Primary APN	`03-000869`
Alternative APNs	`3000869` `000869`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Total Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	83,635 sqft (1.92 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	000869
Street Address	3540 ARTERS MILL RD
City	WESTMINSTER
State	MD
Zip	21158-1808
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT -1.92 AC 3540 ARTERS MILL RD WESTMINSTER
Legal Subdivision	03
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	2
Census Block	2003
Census Tract	503000

Owner

Source: Carroll County records · APN 03-000869

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	Individual Name on File
Mailing Address	3540 ARTERS MILL RD, WESTMINSTER, MD 21158-1808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 08, 2023	Deed of Trust, Mortgage · Line of Credit ACNB BANK
Feb 23, 2021	Deed, Transfer · Conventional Mortgage FARMERS & MERCHANTS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 23, 2021 · Amount on Record
Deed Sale	Feb 23, 2021 · Amount on Record
Prior Sale	Sep 15, 2000 · Amount on Record
Deed Book / Page	10120 / 71
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3540 ARTERS MILL RD, WESTMINSTER, MD 21158-1808
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 ARTERS MILL RD, WESTMINSTER, MD 21158-1808

Mortgage

Document Number	0110890206
Date	Aug 08, 2023
Book Page	11089/206

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 23, 2021
Property Address	3540 ARTERS MILL RD, WESTMINSTER, MD 21158-1808
Document Number	0101200071
Book / Page	10120 / 71
Instrument Date	Feb 12, 2021
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3540 ARTERS MILL RD, WESTMINSTER, MD 21158-1808

Mortgage

Document Number	0001012080
Date	Feb 23, 2021
Instrument	10120/80

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 01, 2031

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		$246,300 (+22.11%)	$272,700 (+16.99%) Land $159,200 Building $113,500
2025	$2,670.00 (+17.16%)
2023	$2,279.00	$201,700	$233,100 Land $134,200 Building $98,900

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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 15 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
T-Mobile USA	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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