3997 Terrace Dr, Hampstead, MD 21074 Property Records

Carroll County property record for 3997 Terrace Dr, Hampstead, MD 21074

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,626 sqft · built 1999
Lot Size	0.327 acres (14,244 sqft)
Owner	2 Individual Names on File
Last Sale	$199,000 (Aug 2001)
Tax Bill	$5,025 (2026)
Deeds & Mortgages	Aug 2018 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-062056`

Property Details

APN / Parcel Number

Primary APN	`08-062056`
Alternative APNs	`8062056` `062056`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,626 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,244 sqft (0.327 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	300 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	062056
Street Address	3997 TERRACE DR
City	HAMPSTEAD
State	MD
Zip	21074-1888
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 19 - 14244 SF 3997 TERRACE DR 43-15/11 WESTWOOD PARK PH 1 SC 1
Legal Subdivision	WESTWOOD PARK PH 01
Legal Phase	1
Legal Lot Number	19
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	3
Census Block	3013
Census Tract	508200

Owner

3997 Terrace Dr is owned and occupied by two individuals who bought it in August 2001.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3997 TERRACE DR, HAMPSTEAD, MD 21074-1888
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2001 · Amount on File
Deed Sale	Aug 24, 2001 · Amount on File
Prior Sale	Jun 30, 1999 · Amount on File
Deed Document Number	2001797
Deed Book / Page	2628 / 623
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3997 TERRACE DR, HAMPSTEAD, MD 21074-1888
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090810024
Date	Aug 2, 2018
Book Page	9081/0024

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 12, 2048

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3997 TERRACE DR, HAMPSTEAD, MD 21074-1888
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0105010134
Date	Oct 14, 2021
Book Page	10501/134

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 3997 Terrace Dr was $5,025, up 5.3% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Hampstead Town
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,025.00 (+5.28%)	$369,433	$407,100 Land $113,600 Building $293,500
2025	$4,773.00
2023	$4,167.00	$308,733	$350,600 Land $93,600 Building $257,000

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

Flood

FEMA maps place 3997 Terrace Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.

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
Nearby Flood Claims	4 (1983–2025)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2025 · river or lake flooding

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

Wildfire risk around 3997 Terrace Dr is low, with a 0.01% annual chance of 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF HAMPSTEAD serves 6,600 people · EPA ID MD0060003
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Quantum Internet & Telephone.

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