3840 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 3840 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,320 sqft · built 1960
Lot Size	4.17 acres (181,950 sqft)
Owner	Individual Name on File
Last Sale	$570,000 (Oct 2019)
Tax Bill	$8,398 (2026)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-007148`

Property Details

APN / Parcel Number

Primary APN	`09-007148`
Alternative APNs	`9007148` `007148`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,320 sqft Total Area
Basement Area	756 sqft
Finished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Stone
Roof Material	Composition Shingle
Lot Area	181,950 sqft (4.17 acres)
Garage Type	Mixed
Garage Area	1,623 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	464 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	007148
Street Address	3840 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-7751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT - 4.177 ACS 3840 RIDGE RD NE/S OF SAMS CREEK RD
Legal Subdivision	SAMS CREEK
Jurisdiction	CARROLL MD
Township / Civil Division	9, FRANKLIN
Census Block Group	1
Census Block	1007
Census Tract	509001

Owner

3840 Ridge Rd is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3840 RIDGE RD, WESTMINSTER, MD 21157-7751
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2019 · Amount on File
Deed Sale	Oct 16, 2019 · Amount on File
Prior Sale	Oct 31, 2013 · Amount on File
Deed Book / Page	9445 / 212
Record Updated	Oct 29, 2026

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 16, 2019
Property Address	3840 RIDGE RD, WESTMINSTER, MD 21157-7751
Document Number	0094450212
Book / Page	9445 / 0212
Instrument Date	Oct 11, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	RGS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	8298 MAIN ST STE 2, 8298, ELLICOTT CITY, MD 21043-4931

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3840 RIDGE RD, WESTMINSTER, MD 21157-7751

Mortgage

Document Number	0009445220
Date	Oct 16, 2019
Instrument	9445/220

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 3840 Ridge Rd was $8,398, up 8.4% 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	$8,398.00 (+8.42%)	$744,600	$802,800 Land $225,800 Building $577,000
2025	$7,746.00
2023	$6,491.00	$574,467	$628,200 Land $205,800 Building $422,400

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

Flood

FEMA maps place 3840 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

Wildfire risk around 3840 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 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