521 E Nicodemus Rd, Westminster, MD 21157 Property Records

Carroll County property record for 521 E Nicodemus Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,878 sqft · built 1885
Lot Size	1.09 acres (47,698 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Sep 2025)
Tax Bill	$4,775 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-021975`

Property Details

APN / Parcel Number

Primary APN	`04-021975`
Alternative APNs	`4021975` `021975`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,878 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Exterior Material	Siding
Lot Area	47,698 sqft (1.09 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	40 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	021975
Street Address	521 E NICODEMUS RD
City	WESTMINSTER
State	MD
Zip	21157-7521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT -1.095 ACS 521 E NICODEMUS ROAD W OF BIRD HILL
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	2
Census Block	2005
Census Tract	504202

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	521 E NICODEMUS RD, WESTMINSTER, MD 21157-7521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed, Transfer · Conventional Mortgage TOWER FCU
Oct 12, 2021	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Mar 22, 2021	Deed, Transfer · Line of Credit ACNB BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Oct 12, 2021 · Amount on Record
Deed Book / Page	11565 / 316
Record Updated	Oct 29, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 12, 2025
Property Address	521 E NICODEMUS RD, WESTMINSTER, MD 21157-7521
Document Number	0115650316
Book / Page	11565 / 316
Instrument Date	Sep 5, 2025
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	CARTER TITLE LLC, CHARTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
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 in Severalty
Address	521 E NICODEMUS RD, WESTMINSTER, MD 21157-7521

Mortgage

Document Number	0011565323
Date	Sep 12, 2025
Instrument	11565/323

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 12, 2021
Property Address	521 E NICODEMUS RD, WESTMINSTER, MD 21157-7521
Document Number	0104890134
Book / Page	10489 / 134
Instrument Date	Aug 27, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
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 in Severalty
Address	521 E NICODEMUS RD, WESTMINSTER, MD 21157-7521

Mortgage

Document Number	0010489141
Date	Oct 12, 2021
Instrument	10489/141

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 22, 2021
Property Address	521 E NICODEMUS RD, WESTMINSTER, MD 21157-7521
Document Number	0101740057
Book / Page	10174 / 57
Instrument Date	Mar 16, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	559 RICH MAR ST, WESTMINSTER, MD 21158-9479

Mortgage

Document Number	0001017464
Date	Mar 22, 2021
Instrument	10174/64

Lender

Name	ACNB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,775.00 (+3.4%) Homeowner's exemption	$421,067 (+3.46%)	$449,200 (+10.37%) Land $180,900 Building $268,300
2025	$4,618.00 (+31.38%)	$407,000 (+30.81%) Land $160,900 Building $246,100	$407,000 (-) Land $160,900 Building $246,100
2023	$3,515.00	$311,133	$407,000 Land $160,900 Building $246,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone.

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