3820 Salem Bottom Rd, Westminster, MD 21157 Property Records

Carroll County property record for 3820 Salem Bottom Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,278 sqft · built 2022
Lot Size	1.44 acres (62,988 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jun 2021)
Tax Bill	$6,264 (2026)
Deeds & Mortgages	Jun 2021 Sale & Construction Loan Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-031383`

Property Details

APN / Parcel Number

Primary APN	`09-031383`
Alternative APNs	`9031383` `031383`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,278 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	62,988 sqft (1.44 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	437 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	031383
Street Address	3820 SALEM BOTTOM RD
City	WESTMINSTER
State	MD
Zip	21157-8055
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	REM PORT - 1.4461 AC 3820 SALEM BOTTOM RD 56- CHINOOK WINDS
Legal Subdivision	CHINOCK WINDS
Legal Lot Number	REM
Jurisdiction	CARROLL MD
Township / Civil Division	9, FRANKLIN
Census Block Group	2
Census Block	2015
Census Tract	509001

Owner

3820 Salem Bottom Rd is owned and occupied by two individuals who bought it in June 2021.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3820 SALEM BOTTOM RD, WESTMINSTER, MD 21157-8055
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed, Construction Loan · Construction Mortgage SEVERN SAVINGS BANK FSB
Mar 30, 2021	Deed, Transfer · Conventional Mortgage SANDY SPRING BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Prior Sale	Mar 30, 2021 · Amount on File
Deed Book / Page	10345 / 357
Record Updated	Oct 29, 2026

June 2021: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 28, 2021
Property Address	3820 SALEM BOTTOM RD, WESTMINSTER, MD 21157-8055
Document Number	0103450357
Book / Page	10345 / 357
Map Reference	MB56FO 63
Instrument Date	May 7, 2021
Transaction Type	Construction Loan
Record Updated	Aug 16, 2022
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount 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 by the Entirety
Address	4105 TEKIEN DRIVE, WESTMINSTER, MD 21157-8221
Investor	Possibly a Property Investor

Mortgage

Document Number	0010345361
Date	Jun 28, 2021
Instrument	10345/361

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 30, 2021
Property Address	3820 SALEM BOTTOM RD, WESTMINSTER, MD 21157-8055
Document Number	0101890038
Book / Page	10189 / 38
Map Reference	MB 55 FO 63
Instrument Date	Mar 12, 2021
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Amount	Amount 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 by the Entirety
Address	808 MULLER RD, WESTMINSTER, MD 21157-8126

Mortgage

Document Number	0001018942
Date	Mar 30, 2021
Instrument	10189/42

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8%
Index	1-Year LIBOR
Max Rate	8%

Tax Assessment & Valuation

The 2026 property tax bill for 3820 Salem Bottom Rd was $6,264, up 6% from the year before.

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	$6,264.00 (+6.04%)	$554,000	$585,900 Land $204,400 Building $381,500
2025	$5,907.00
2023	$5,250.00	$464,633	$490,200 Land $184,400 Building $305,800

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

Flood

FEMA maps place 3820 Salem Bottom Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3820 Salem Bottom 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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