460 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 460 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,028 sqft · built 1985
Lot Size	0.817 acres (35,588 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jul 2018)
Tax Bill	$3,381 (2026)
Deeds & Mortgages	Aug 2023 Second Mortgage Dec 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-086962`

Property Details

APN / Parcel Number

Primary APN	`07-086962`
Alternative APNs	`7086962` `086962`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,028 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	35,588 sqft (0.817 acres)
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	086962
Street Address	460 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-6804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT - 0.8176 AC 460 RIDGE RD SPRING MILLS
Legal Subdivision	SPRING MILLS
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3012
Census Tract	507702

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	Individual Name on Record
Mailing Address	460 RIDGE RD, WESTMINSTER, MD 21157-6804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage NASA FCU
Aug 26, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Aug 13, 2019	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Jul 26, 2018	Trustee's Deed, Foreclosure · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2018 · Amount on Record
Deed Sale	Jul 26, 2018 · Amount on Record
Prior Sale	Feb 5, 1988 · Amount on Record
Deed Book / Page	9075 / 18
Prior Transfer Date	Jul 19, 2018
Prior Transfer Doc	0090750018
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	460 RIDGE RD, WESTMINSTER, MD 21157-6804
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110890333
Date	Aug 8, 2023
Book Page	11089/333

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	460 RIDGE RD, WESTMINSTER, MD 21157-6804
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	CU TITLE INS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0089000047
Date	Dec 27, 2017
Book Page	8900/0047
Instrument	8900-0047

Lender

Name	NASA FCU
Type	Credit Union
Address	UPPER MARLBORO, MD 20774

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	460 RIDGE RD, WESTMINSTER, MD 21157-6804
Document Number	0099310466
Instrument Date	Aug 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	460 RIDGE RD WESTMINSTER MD 211576804, WESTMINSTER, MD 21157-6804

Mortgage

Document Number	0099310466
Date	Nov 4, 2020
Book Page	009931/000466

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	460 RIDGE RD, WESTMINSTER, MD 21157-6804
Document Number	0093960312
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	460 RIDGE RD WESTMINSTER MD 211576804, WESTMINSTER, MD 21157-6804

Mortgage

Document Number	0093960312
Date	Sep 3, 2019
Book Page	009396/000312

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 2, 2049

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 26, 2018
Property Address	460 RIDGE RD, WESTMINSTER, MD 21157-6804
Document Number	0090750018
Book / Page	9075 / 0018
Instrument Date	Jul 19, 2018
Transaction Type	Foreclosure
Record Updated	May 2, 2022
Title Company	ASSOCIATES TITLE SECS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 RIDGE RD, WESTMINSTER, MD 21157-6804

Mortgage

Document Number	0000907524
Date	Jul 26, 2018
Instrument	9075/24

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

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	$3,381.00 (+5.13%) Homeowner's exemption	$333,500 (+21.94%) Land $118,900 Building $214,600	$333,500 (+21.94%) Land $118,900 Building $214,600
2025	$3,216.00 (+4.08%) Homeowner's exemption
2023	$3,090.00 Homeowner's exemption	$273,500 Land $118,900 Building $154,600	$273,500 Land $118,900 Building $154,600

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 95% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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