4305 White Oak Ct, Hampstead, MD 21074 Property Records

Carroll County property record for 4305 White Oak Ct, Hampstead, MD 21074

Property Summary

Property Type	Condominium
Details	built 1975
Lot Size	0.016 acres (737 sqft)
Owner	2 Individual Names on File
Last Sale	$197,000 (Mar 2022)
Tax Bill	$2,923 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Feb 2018 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-035164`

Property Details

APN / Parcel Number

Primary APN	`08-035164`
Alternative APNs	`8035164` `035164`

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Condo/Apartment
Lot Area	737 sqft (0.016 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	035164
Street Address	4305 WHITE OAK CT
City	HAMPSTEAD
State	MD
Zip	21074-2305
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R-100
Legal Description	UNIT 4305 PH 2 4305 WHITE OAK CT 24-68 HAMP VALL TWNHS CONDOS
Legal Subdivision	HAMPSTEAD VALLEY TOWNHOUSE CONDO
Legal Phase	2
Legal Lot Number	4305
Legal Unit	4305
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	4
Census Block	4015
Census Tract	508103

Owner

4305 White Oak Ct, a condominium, is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4305 WHITE OAK CT, HAMPSTEAD, MD 21074-2305
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
Mar 21, 2022	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Feb 26, 2018	Grant Deed, Transfer · Line of Credit NWSB BANK
Aug 14, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Prior Sale	Feb 26, 2018 · Amount on File
Deed Book / Page	10715 / 348
Prior Transfer Date	Jul 20, 2017
Prior Transfer Doc	0087750031
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 21, 2022
Property Address	4305 WHITE OAK CT, HAMPSTEAD, MD 21074-2305
Document Number	0107150348
Book / Page	10715 / 348
Map Reference	MB 24 FO 68-72
Instrument Date	Mar 11, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	R AND P SETTLEMENT GROUP LLC, R & P SETTLEMENT GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	10808 DAVIS AVE, WOODSTOCK, MD 21163-1214

Mortgage

Document Number	0010715352
Date	Mar 21, 2022
Instrument	10715/352

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 26, 2018
Property Address	4305 WHITE OAK CT, HAMPSTEAD, MD 21074-2305
Document Number	0089490300
Book / Page	008949 / 000300
Instrument Date	Oct 16, 2017
Transaction Type	Transfer
Record Updated	Mar 6, 2018
Title Company	LENDERLIVE SETTLEMENT SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 DAVIS LN WESTMINSTER MD 211575809, WESTMINSTER, MD 21157-5809

Mortgage

Document Number	89490305
Date	Feb 26, 2018
Book Page	008949/000305

Lender

Name	NWSB BANK
Address	PO BOX 3129, GETTYSBURG, PA 17325-0129

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 14, 2017
Property Address	4305 WHITE OAK CT, HAMPSTEAD, MD 21074-2305
Document Number	0087750031
Book / Page	008775 / 000031
Instrument Date	Apr 26, 2017
Transaction Type	Foreclosure
Record Updated	Sep 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$182.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

Tax Assessment & Valuation

The 2026 property tax bill for 4305 White Oak Ct was $2,923, up 8.3% 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	$2,923.00 (+8.26%)	$216,667 (+8.33%)	$250,000 (+25%) Land $60,000 Building $190,000
2025	$2,700.00	$200,000 Land $50,000 Building $150,000	$200,000 Land $50,000 Building $150,000
2023	$2,250.00	$166,667	$200,000 Land $50,000 Building $150,000

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

Flood

FEMA maps place 4305 White Oak Ct in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 4305 White Oak Ct 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	Direct burnable vegetation

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 536 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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