464 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 464 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,028 sqft · built 1985
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$395,200 (Oct 2022)
Tax Bill	$4,323 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-087160`

Property Details

APN / Parcel Number

Primary APN	`07-087160`
Alternative APNs	`7087160` `087160`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,028 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces
Deck Area	32 sqft
Shed	1 Shed
Shed Area	560 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	087160
Street Address	464 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 - 2.0004 ACS 464 RIDGE RD NW/S CSX RR
Legal Subdivision	SPRING MILLS
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3012
Census Tract	507702

Owner

464 Ridge Rd is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	464 RIDGE RD, WESTMINSTER, MD 21157-6804
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
Oct 12, 2022	Deed, Transfer · VA Mortgage NORTHPOINTE BANK
Jan 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage NASA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on File
Deed Sale	Oct 12, 2022 · Amount on File
Prior Sale	Apr 18, 2012 · Amount on File
Deed Book / Page	10903 / 398
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 12, 2022
Property Address	464 RIDGE RD, WESTMINSTER, MD 21157-6804
Document Number	0109030398
Book / Page	10903 / 398
Instrument Date	Sep 21, 2022
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	ABLE TITLE AGENCY LLC, ALLIED TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$988.00
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	464 RIDGE RD, WESTMINSTER, MD 21157-6804

Mortgage

Document Number	0109030408
Date	Oct 12, 2022
Instrument	10903-0408

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	464 RIDGE RD, WESTMINSTER, MD 21157-6804
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	CU TITLE INS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0085790383
Date	Jan 11, 2017
Book Page	8579/0383
Instrument	8579-0383

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 464 Ridge Rd was $4,323, up 10.9% 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	$4,323.00 (+10.9%)	$386,000 Land $135,500 Building $250,500	$386,000 Land $135,500 Building $250,500
2025	$3,898.00
2023	$3,075.00 (+4.98%)	$272,200 (+5%) Land $135,500 Building $136,700	$272,200 (-) Land $135,500 Building $136,700
2022	$2,929.00	$259,233	$272,200 Land $135,500 Building $136,700

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

Flood

FEMA maps place 464 Ridge Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 464 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 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

Nearby Properties on Ridge Rd

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