3901 Baker Rd, Westminster, MD 21157 Property Records

Carroll County property record for 3901 Baker Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,230 sqft · built 2017
Lot Size	2.33 acres (101,669 sqft)
Owner	2 Individual Names on File
Last Sale	$183,000 (Mar 2017)
Tax Bill	$7,334 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-000046`

Property Details

APN / Parcel Number

Primary APN	`09-000046`
Alternative APNs	`9000046` `000046`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,230 sqft Total Area
Basement Area	1,780 sqft
Finished Basement	1,780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	101,669 sqft (2.33 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	199 sqft
Deck Area	208 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	000046
Street Address	3901 BAKER RD
City	WESTMINSTER
State	MD
Zip	21157-7865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	REM PORT - 2.3336 AC ES BAKER RD 54-135 ABELL RIDGE
Legal Subdivision	ABELL RIDGE
Legal Tract	3
Jurisdiction	CARROLL MD
Township / Civil Division	9, FRANKLIN
Census Block Group	2
Census Block	2015
Census Tract	509001

Owner

Source: Carroll County records · APN 09-000046

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	2 Individual Names on File
Mailing Address	3901 BAKER RD, WESTMINSTER, MD 21157-7865
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2026	Deed of Trust, Mortgage · Line of Credit APL FEDERAL CREDIT UNION
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNEBANK MORTGAGE
Mar 31, 2017	Deed of Trust, Mortgage FIRST NAT'L BK/PA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 31, 2017 · Amount on Record
Deed Sale	Mar 31, 2017 · Amount on Record
Prior Sale	Mar 08, 2016 · Amount on Record
Deed Document Number	20178650-0199
Deed Book / Page	8650 / 199
Prior Transfer Date	Oct 07, 2014
Prior Transfer Doc	0077810124
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	Jun 08, 2026
Property Address	3901 BAKER RD, WESTMINSTER, MD 21157-7865
Document Number	1178000482
Book / Page	11783 / 482
Instrument Date	May 19, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 BAKER RD, WESTMINSTER, MD 21157-7865

Mortgage

Document Number	1178000482,
Date	Jun 08, 2026
Book Page	11783/482

Lender

Name	APL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	May 26, 2066

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3901 BAKER RD, WESTMINSTER, MD 21157-7865
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	COLE TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102320395
Date	Apr 26, 2021
Book Page	10232/395

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3901 BAKER RD, WESTMINSTER, MD 21157-7865
Document Number	0086500204
Book / Page	008650 / 000204
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3830 BAKER RD WESTMINSTER MD 211577811, WESTMINSTER, MD 21157-7811

Mortgage

Document Number	0086500204
Date	Mar 31, 2017
Book Page	008650/000204

Lender

Name	FIRST NAT'L BK/PA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2047

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		$691,767 (+5.62%)	$728,600 (-) Land $213,300 Building $515,300
2025	$7,334.00 (+6.61%) Homeowner's exemption	$654,933 (+7.58%)	$728,600 (+17.88%) Land $213,300 Building $515,300
2023	$6,879.00 Homeowner's exemption	$608,767	$618,100 Land $193,300 Building $424,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 11, 2016 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 57 locations within half a mile of this property.

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