395 Leppo Rd, Westminster, MD 21158 Property Records

Carroll County property record for 395 Leppo Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,556 sqft · built 1986
Lot Size	6.02 acres (262,231 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,500 (Oct 2020)
Tax Bill	$5,383 (2026)
Deeds & Mortgages	May 2018 Line of Credit Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-016099`

Property Details

APN / Parcel Number

Primary APN	`03-016099`
Alternative APNs	`3016099` `016099`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,556 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	262,231 sqft (6.02 acres)
Garage Type	Attached
Garage Area	702 sqft
Deck Area	280 sqft
Stable	1,200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	016099
Street Address	395 LEPPO RD
City	WESTMINSTER
State	MD
Zip	21158-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 17A - 6.02 ACS 395 LEPPO RD 27-138 AMND TWIN LAKES SEC 1
Legal Subdivision	TWIN LAKES SEC 01
Legal Lot Number	17A
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	3
Census Block	3014
Census Tract	503000

Owner

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	395 LEPPO RD, WESTMINSTER, MD 21158-1605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Aug 17, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 23, 2020	Deed, Transfer · VA Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Deed Book / Page	9915 / 113
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	395 LEPPO RD, WESTMINSTER, MD 21158-1605
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090250148
Date	May 29, 2018
Book Page	9025/0148

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	395 LEPPO RD, WESTMINSTER, MD 21158-1605
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098070081
Date	Aug 17, 2020
Book Page	9807/81

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 23, 2020
Property Address	395 LEPPO RD, WESTMINSTER, MD 21158-1605
Document Number	0099150113
Book / Page	9915 / 113
Map Reference	MB 11 FO 34
Instrument Date	Sep 1, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ENDEAVOR TITLE LLC

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12700 COZY CREEK DR, EL PASO, TX 79938-1209

Mortgage

Document Number	0009915120
Date	Oct 23, 2020
Instrument	9915/120

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

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	$5,383.00 (+6.26%)	$475,333 (+42.15%)	$532,000 (+19.02%) Land $185,100 Building $346,900
2025	$5,066.00 (+34.09%)
2023	$3,778.00	$334,400	$447,000 Land $160,100 Building $286,900

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

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 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

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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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