4515 Whetstone Ct, Hampstead, MD 21074 Property Records

Carroll County property record for 4515 Whetstone Ct, Hampstead, MD 21074

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,797 sqft · built 1993
Lot Size	0.193 acres (8,407 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jun 2017)
Tax Bill	$4,841 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-054665`

Property Details

APN / Parcel Number

Primary APN	`08-054665`
Alternative APNs	`8054665` `054665`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,797 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,407 sqft (0.193 acres)
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	92 sqft
Deck Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	054665
Street Address	4515 WHETSTONE CT
City	HAMPSTEAD
State	MD
Zip	21074-3150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 419- 0.1930 AC WHETSTONE CT 36-24/23 ROBERTS FIELD SC 2 PLT A
Legal Subdivision	ROBERTS FIELD A SEC 02
Legal Lot Number	419
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	4
Census Block	4017
Census Tract	508103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4515 WHETSTONE CT, HAMPSTEAD, MD 21074-3150
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit FEDERAL FINANCIAL FEDERAL CREDIT UNION
Jan 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND
Dec 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FIN'L/MD FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on Record
Deed Sale	Jun 1, 2017 · Amount on Record
Prior Sale	Dec 18, 1998 · Amount on Record
Deed Document Number	20178704-0082
Deed Book / Page	8704 / 82
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	Aug 20, 2026
Property Address	4515 WHETSTONE CT, HAMPSTEAD, MD 21074-3150
Document Number	1184000459
Book / Page	11842 / 459
Instrument Date	Aug 4, 2026
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	4515 WHETSTONE CT, HAMPSTEAD, MD 21074-3150

Mortgage

Document Number	1184000459,
Date	Aug 20, 2026
Book Page	11842/459

Lender

Name	FEDERAL FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 30, 2046

Interest

Rate Type	Adjustable Rate
Rate	2.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4515 WHETSTONE CT, HAMPSTEAD, MD 21074-3150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	KING TITLE CO INC I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0089140289
Date	Jan 11, 2018
Book Page	8914/0289
Instrument	8914-0289

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4515 WHETSTONE CT, HAMPSTEAD, MD 21074-3150
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	KING TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095040376
Date	Dec 10, 2019
Book Page	9504/0376

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4515 WHETSTONE CT, HAMPSTEAD, MD 21074-3150
Document Number	0098630437
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4515 WHETSTONE CT HAMPSTEAD MD 210743150, HAMPSTEAD, MD 21074-3150

Mortgage

Document Number	0098630437
Date	Sep 23, 2020
Book Page	009863/000437

Lender

Name	FIRST FIN'L/MD FCU
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152-9202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%

Tax Assessment & Valuation

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	$4,841.00 (+5.24%) Homeowner's exemption	$382,067 (+22.58%)	$418,800 (+15.15%) Land $121,200 Building $297,600
2025	$4,600.00 (+9.34%) Homeowner's exemption
2023	$4,207.00 Homeowner's exemption	$311,700	$363,700 Land $100,600 Building $263,100

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

Flood

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

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.

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 183 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone.

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