396 Leppo Rd, Westminster, MD 21158 Property Records

Carroll County property record for 396 Leppo Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,418 sqft · built 1995
Lot Size	9.69 acres (422,096 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Aug 2013)
Tax Bill	$5,254 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-016145`

Property Details

APN / Parcel Number

Primary APN	`03-016145`
Alternative APNs	`3016145` `016145`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,418 sqft Total Area
Utility Area	432 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	422,096 sqft (9.69 acres)
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	451 sqft
Deck Area	286 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	016145
Street Address	396 LEPPO RD
City	WESTMINSTER
State	MD
Zip	21158-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 5A - 9.69 ACS LEPPO RD 28-132 TWIN LAKES AMND SC 2
Legal Subdivision	TWIN LAKES SEC 2
Legal Lot Number	5A
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	3
Census Block	3009
Census Tract	503000

Owner

Source: Carroll County records · APN 03-016145

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	396 LEPPO RD, WESTMINSTER, MD 21158-1636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 01, 2019	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD
Oct 09, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 16, 2013 · Amount on Record
Deed Sale	Aug 16, 2013 · Amount on Record
Prior Sale	Mar 14, 2013 · Amount on Record
Deed Book / Page	7449 / 258
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	396 LEPPO RD, WESTMINSTER, MD 21158-1636
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	UNITED TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093620349
Date	Aug 01, 2019
Book Page	9362/0349

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	396 LEPPO RD, WESTMINSTER, MD 21158-1636
Document Number	0099790404
Instrument Date	Oct 09, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	396 LEPPO RD WESTMINSTER MD 211581636, WESTMINSTER, MD 21158-1636

Mortgage

Document Number	0099790404
Date	Dec 03, 2020
Book Page	009979/000404

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 02, 2050

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		$499,800 (+17.64%)	$548,600 (+15.4%) Land $203,400 Building $345,200
2025	$5,254.00 (+9.44%) Homeowner's exemption
2023	$4,801.00 Homeowner's exemption	$424,867	$475,400 Land $178,400 Building $297,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 11, 2016 · FEMA NFIP claims and policies as of September 2026 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force

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; flood claims are located to the census block group, not this parcel; 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	1,200 / 35
Starlink Satellite	280 / 30

Based on FCC filings for 25 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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