Carroll County property record for 4047 Ridge Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 3,364 sqft · built 1920 |
| Lot Size | 3.83 acres (167,053 sqft) |
| Owner | Company Name on Record |
| Last Sale | $600,000 (Mar 2026) |
| Tax Bill | $4,573 (2026) |
| Deeds & Mortgages | Jan 2025 Reverse Mortgage Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-023712 |
| Primary APN | 09-023712 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,364 sqft Total Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 167,053 sqft (3.83 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 276 sqft |
| Shed | 1 Shed |
| Shed Area | 736 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 023712 |
|---|---|
| Street Address | 4047 RIDGE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-400 |
| Legal Description | TRT A1 -3.8349 ACS 4047 E RIDGE RD 47-27 SUN VALLEY AMND SC 2 |
| Legal Subdivision | SUN VALLEY |
| Legal Lot Number | A1 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3220 SIDETRACKED DR, NEW WINDSOR, MD 21776-8302 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jan 23, 2025 | Deed of Trust, Mortgage · Reverse Mortgage FINANCIAL FREEDOM SENIOR FUNDING CORP |
| Mar 27, 2026 | Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2026 · Amount on Record |
| Deed Sale | Mar 27, 2026 · Amount on Record |
| Prior Sale | Jun 8, 2005 · Amount on Record |
| Deed Book / Page | 11725 / 170 |
| Transfer Doc | 0000024392 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 4047 RIDGE RD, WESTMINSTER, MD 21157-7844 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4047 RIDGE RD, WESTMINSTER, MD 21157-7844 |
| Document Number | 0114080182 |
|---|---|
| Date | Jan 23, 2025 |
| Book Page | 11408/182 |
| Name | FINANCIAL FREEDOM SENIOR FUNDING CORP |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | BALTIMORE, MD 21297 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2009 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 12.9% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Mar 27, 2026 |
| Property Address | 4047 RIDGE RD, WESTMINSTER, MD 21157-7844 |
| Document Number | 0117250170 |
| Book / Page | 11725 / 170 |
| Map Reference | MB 47 PG 27 |
| Instrument Date | Feb 26, 2026 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | PROVEST TITLE AND ESCROW LLC, HARVEST TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3220 SIDETRACKED DR, NEW WINDSOR, MD 21776-8302 |
| Document Number | 0011725175 |
|---|---|
| Date | Mar 27, 2026 |
| Instrument | 11725/175 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Prepayment Penalty | 00 Months |
| Rate Type | Fixed Rate |
|---|
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 | $4,573.00 (+5.39%) | $402,967 (+4.88%) | $421,700 (-) Land $224,100 Building $197,600 |
| 2025 | $4,339.00 (+10.24%) Homeowner's exemption | $384,233 (+10.29%) | $421,700 (+15.38%) Land $224,100 Building $197,600 |
| 2023 | $3,936.00 Homeowner's exemption | $348,400 | $365,500 Land $204,100 Building $161,400 |
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 |
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