Carroll County property record for 3945 Ridge Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,836 sqft · built 1920 |
| Lot Size | 2.98 acres (129,809 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,694 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-004416 |
| Primary APN | 09-004416 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,836 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 129,809 sqft (2.98 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 210 sqft |
| Shed | 1 Shed |
| Shed Area | 648 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 004416 |
|---|---|
| Street Address | 3945 RIDGE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-400 |
| Legal Description | 2.98 ACRES E/S RIDGE RD NE OF TAYLORSVILLE |
| Legal Subdivision | SUN VALLEY |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 2 |
| Census Block | 2023 |
| 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 | 3945 RIDGE RD, WESTMINSTER, MD 21157-7742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Commercial Mortgage HORIZON FARM CREDIT ACA |
| May 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3945 RIDGE RD, WESTMINSTER, MD 21157-7742 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0116520126 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 11652/126 |
| Name | HORIZON FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3945 RIDGE RD, WESTMINSTER, MD 21157-7742 |
| Document Number | 0090080154 |
| Instrument Date | May 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3945 RIDGE RD WESTMINSTER MD 211577742, WESTMINSTER, MD 21157-7742 |
| Document Number | 0090080154 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 009008/000154 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | LANCASTER, PA 17604 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 8, 2028 |
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 | $3,694.00 (+3.91%) Homeowner's exemption | $334,733 (+15.35%) | $349,300 (+14.3%) Land $219,800 Building $129,500 |
| 2025 | $3,555.00 (+8.42%) Homeowner's exemption | ||
| 2023 | $3,279.00 Homeowner's exemption | $290,200 | $305,600 Land $199,800 Building $105,800 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures