Carroll County property record for 3540 Ridge Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,344 sqft · built 1986 |
| Lot Size | 1.58 acres (69,173 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $302,000 (Jan 2020) |
| Tax Bill | $4,353 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-009876 |
| Primary APN | 09-009876 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,344 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 69,173 sqft (1.58 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Deck Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 009876 |
|---|---|
| Street Address | 3540 RIDGE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT - 1.58777 ACS 3540 RIDGE RD GYPSY HILL |
| Legal Subdivision | GYPSY HILL |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 509001 |
3540 Ridge Rd is owned and occupied by two individuals who bought it in January 2020.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3540 RIDGE RD, WESTMINSTER, MD 21157-7755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jan 21, 2020 | Deed, Transfer · FHA Mortgage BAY CAPITAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2020 · Amount on File |
| Deed Sale | Jan 21, 2020 · Amount on File |
| Prior Sale | Jan 3, 2002 · Amount on File |
| Deed Book / Page | 9543 / 255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3540 RIDGE RD, WESTMINSTER, MD 21157-7755 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0103510147 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 10351/147 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 21, 2020 |
| Property Address | 3540 RIDGE RD, WESTMINSTER, MD 21157-7755 |
| Document Number | 0095430255 |
| Book / Page | 9543 / 0255 |
| Instrument Date | Dec 23, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | CERTIFIED TITLE CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3540 RIDGE RD, WESTMINSTER, MD 21157-7755 |
| Document Number | 0009543263 |
|---|---|
| Date | Jan 21, 2020 |
| Instrument | 9543/263 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
The 2026 property tax bill for 3540 Ridge Rd was $4,353 with a homeowner's exemption, up 5.2% from the year before.
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 | $4,353.00 (+5.17%) Homeowner's exemption | $406,867 | $434,200 Land $205,800 Building $228,400 |
| 2025 | $4,139.00 Homeowner's exemption | ||
| 2023 | $3,716.00 | $328,867 | $352,200 Land $185,800 Building $166,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3540 Ridge Rd in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 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.
Wildfire risk around 3540 Ridge Rd is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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