4133 Arters Mill Rd, Westminster, MD 21158 Property Records

Carroll County property record for 4133 Arters Mill Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,204 sqft · built 2002
Lot Size	1.43 acres (62,509 sqft)
Owner	Individual Name on File
Last Sale	$505,000 (Apr 2025)
Tax Bill	$4,446 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-027856`

Property Details

APN / Parcel Number

Primary APN	`03-027856`
Alternative APNs	`3027856` `027856`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,204 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	62,509 sqft (1.43 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	253 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	027856
Street Address	4133 ARTERS MILL RD
City	WESTMINSTER
State	MD
Zip	21158-1016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 8 - 1.435 ACS 4133 ARTERS MILL RD 41-1 ARTERS MILL ESTS SC 2
Legal Subdivision	ARTERS MILL ESTATE
Legal Lot Number	8
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	1
Census Block	1020
Census Tract	503000

Owner

Source: Carroll County records · APN 03-027856

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	Individual Name on File
Mailing Address	4133 ARTERS MILL RD, WESTMINSTER, MD 21158-1016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Aug 30, 2018	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS TRADERS TRUST CO
Jul 14, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 28, 2025 · Amount on Record
Deed Sale	Apr 28, 2025 · Amount on Record
Prior Sale	Aug 07, 2015 · Amount on Record
Deed Book / Page	11461 / 171
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4133 ARTERS MILL RD, WESTMINSTER, MD 21158-1016
Transaction Type	Mortgage
Record Updated	Nov 17, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109180467
Date	Oct 27, 2022
Book Page	10918/467

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4133 ARTERS MILL RD, WESTMINSTER, MD 21158-1016
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091070001
Date	Aug 30, 2018
Book Page	9107/0001

Lender

Name	MANUFACTURERS TRADERS TRUST CO
Type	Lending Institution
Address	LEESBURG, VA 20175

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4133 ARTERS MILL RD, WESTMINSTER, MD 21158-1016
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4133 ARTERS MILL RD, WESTMINSTER, MD 21158-1016

Mortgage

Document Number	0103650470
Date	Jul 14, 2021
Book Page	10365/470

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Aug 01, 2045

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4133 ARTERS MILL RD, WESTMINSTER, MD 21158-1016
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	LAFAYETTE STLMT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108010274
Date	Jun 10, 2022
Book Page	10801/274

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2027
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	6.12%
Index	Other
Margin	3
Max Rate	9.12%

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		$427,067 (+9.03%)	$497,800 (+27.09%) Land $154,300 Building $343,500
2025	$4,446.00 (+16.14%)	$391,700 (+15.6%) Land $129,300 Building $262,400	$391,700 (-) Land $129,300 Building $262,400
2023	$3,828.00	$338,833	$391,700 Land $129,300 Building $262,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 2 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Quantum Telecommunications Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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