47 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 47 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,575 sqft · built 1900
Lot Size	0.297 acres (12,957 sqft)
Owner	Individual Name on File
Last Sale	$276,000 (Dec 2004)
Tax Bill	$2,876 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-031149`

Property Details

APN / Parcel Number

Primary APN	`07-031149`
Alternative APNs	`7031149` `031149`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,575 sqft Total Area
Basement Area	286 sqft
Finished Basement	286 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Metal
Lot Area	12,957 sqft (0.297 acres)
Porch	Slab
Porch Area	265 sqft
Deck Area	176 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	031149
Street Address	47 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-4458
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT -12957 SF E/S RIDGE RD WESTMINSTER
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3011
Census Tract	507702

Owner

47 Ridge Rd is owned and occupied by an individual who acquired it in October 2009.

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

Owner of Record	Individual Name on File
Mailing Address	47 RIDGE RD, WESTMINSTER, MD 21157-4458
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 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 29, 2019	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2004 · Amount on File
Deed Sale	Dec 10, 2004 · Amount on File
Prior Sale	Jun 6, 1996 · Amount on File
Deed Document Number	200442738
Deed Book / Page	4243 / 100
Last Transfer Date	Oct 28, 2009
Transfer Doc	0060100435
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	47 RIDGE RD, WESTMINSTER, MD 21157-4458
Transaction Type	Mortgage
Record Updated	Mar 11, 2021
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100770031
Date	Jan 28, 2021
Book Page	10077/331

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	47 RIDGE RD, WESTMINSTER, MD 21157-4458
Document Number	0095170183
Instrument Date	Nov 29, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 RIDGE RD WESTMINSTER MD 211574458, WESTMINSTER, MD 21157-4458

Mortgage

Document Number	0095170183
Date	Dec 23, 2019
Book Page	009517/000183

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 22, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 47 Ridge Rd was $2,876 with a homeowner's exemption, up 5.2% 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	$2,876.00 (+5.16%) Homeowner's exemption	$271,000 (+6.62%) Land $88,600 Building $182,400	$271,000 (-) Land $88,600 Building $182,400
2025	$2,735.00 Homeowner's exemption	$254,167	$271,000 Land $88,600 Building $182,400
2023	$2,491.00 Homeowner's exemption	$220,500 Land $88,600 Building $131,900	$220,500 Land $88,600 Building $131,900

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

Flood

FEMA maps place 47 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 47 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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