Carroll County property record for 3911 Baker Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,324 sqft · built 2019 |
| Lot Size | 2 acres (87,425 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $175,000 (Dec 2017) |
| Tax Bill | $9,304 (2026) |
| Deeds & Mortgages | Feb 2021 Line of Credit Jun 2018 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-431814 |
| Primary APN | 09-431814 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,324 sqft Total Area |
| Basement Area | 1,377 sqft |
| Finished Basement | 1,377 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 87,425 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 152 sqft |
| Deck Area | 400 sqft |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 431814 |
|---|---|
| Street Address | 3911 BAKER RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7865 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT 1 - 2.0065 ACS 3911 BAKER RD 54-135 ABELL RIDGE |
| Legal Subdivision | ABELL RDG |
| Legal Lot Number | 1 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 509001 |
Source: Carroll County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 3911 BAKER RD, WESTMINSTER, MD 21157-7865 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2021 | Deed of Trust, Mortgage · Line of Credit PENTAGON FCU |
| Jun 21, 2018 | Deed of Trust, Mortgage · Construction Mortgage SEVERN SAVINGS BANK FSB |
| Sep 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MTG |
| Dec 20, 2017 | Deed, Transfer · Conventional Mortgage SEVERN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 20, 2017 · Amount on Record |
| Deed Sale | Dec 20, 2017 · Amount on Record |
| Deed Document Number | 20178895-0182 |
| Deed Book / Page | 8895 / 182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3911 BAKER RD, WESTMINSTER, MD 21157-7865 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0100820089 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 10082/189 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 12, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3911 BAKER RD, WESTMINSTER, MD 21157-7865 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0090480096 |
|---|---|
| Date | Jun 21, 2018 |
| Book Page | 9048/0096 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | ANNAPOLIS, MD 21401 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jul 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Jul 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 4.62% |
| Max Rate At Change | 6.62% |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3911 BAKER RD, WESTMINSTER, MD 21157-7865 |
| Document Number | 0098980061 |
| Instrument Date | Sep 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | TERRAIN TITLE ESCROW COMPANY LLC, TERRAIN TITLE ESCROW CO LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3911 BAKER RD WESTMINSTER MD 211577865, WESTMINSTER, MD 21157-7865 |
| Document Number | 0098980061 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | 009898/000061 |
| Name | COMMUNITY MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT AIRY, MD 21771 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 13, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 20, 2017 |
| Property Address | 3911 BAKER RD, WESTMINSTER, MD 21157-7865 |
| Document Number | 0088950182 |
| Book / Page | 8895 / 0182 |
| Map Reference | MB54 FO135 |
| Instrument Date | Dec 1, 2017 |
| Instrument | 8895-0182 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 3911 BAKER RD, WESTMINSTER, MD 21157-7865 |
| Document Number | 88950187 |
|---|---|
| Date | Dec 20, 2017 |
| Instrument | 8895-0187 |
| Name | SEVERN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jan 1, 2019 |
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 | $9,304.00 (+5.05%) Homeowner's exemption | $839,967 (+17.28%) | $886,300 (+18.6%) Land $210,000 Building $676,300 |
| 2025 | $8,857.00 (+9.44%) Homeowner's exemption | ||
| 2023 | $8,093.00 Homeowner's exemption | $716,200 | $747,300 Land $190,000 Building $557,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
| Starlink Satellite | 280 / 30 |
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