44 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 44 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,735 sqft · built 1963
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (May 2019)
Tax Bill	$3,736 (2026)
Deeds & Mortgages	Jan 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-017871`

Property Details

APN / Parcel Number

Primary APN	`07-017871`
Alternative APNs	`7017871` `017871`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,735 sqft Total Area
Basement Area	1,416 sqft
Finished Basement	1,416 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Attached
Garage Area	375 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	222 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	017871
Street Address	44 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-4450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 7 - 15000 SF 44 RIDGE RD 3-109 BLUE RIDGE VIEW
Legal Subdivision	BLUE RIDGE VIEW ADDITION
Legal Lot Number	7
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3023
Census Tract	507702

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

44 Ridge Rd is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 RIDGE RD, WESTMINSTER, MD 21157-4450
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
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
May 20, 2019	Deed, Transfer · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Prior Sale	Nov 4, 2009 · Amount on File
Deed Book / Page	9294 / 126
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	44 RIDGE RD, WESTMINSTER, MD 21157-4450
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ENDEAVOR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100730001
Date	Jan 26, 2021
Book Page	10073/1

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 20, 2019
Property Address	44 RIDGE RD, WESTMINSTER, MD 21157-4450
Document Number	0092940126
Book / Page	9294 / 0126
Map Reference	MB 3 FO 109
Instrument Date	May 13, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY

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	44 RIDGE RD, WESTMINSTER, MD 21157-4450

Mortgage

Document Number	0009294132
Date	May 20, 2019
Instrument	9294/132

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 44 Ridge Rd was $3,736 with a homeowner's exemption, up 5.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,736.00 (+5.6%) Homeowner's exemption	$416,200 Land $91,200 Building $325,000	$416,200 Land $91,200 Building $325,000
2025	$3,538.00 Homeowner's exemption
2023	$3,532.00 Homeowner's exemption	$312,600 Land $91,200 Building $221,400	$312,600 Land $91,200 Building $221,400

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

Flood

FEMA maps place 44 Ridge Rd 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 44 Ridge Rd is low, with less than 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 94% of the US · lower than 89% of Maryland
Wildfire Likelihood	Under 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	CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone, Verizon.

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