528 Stone Rd, Westminster, MD 21158 Property Records

Carroll County property record for 528 Stone Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,992 sqft · built 1988
Lot Size	1.01 acres (44,344 sqft)
Owner	2 Individual Names on File
Last Sale	$325,700 (May 2022)
Tax Bill	$3,979 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-023559`

Property Details

APN / Parcel Number

Primary APN	`03-023559`
Alternative APNs	`3023559` `023559`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,992 sqft Total Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,344 sqft (1.01 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Deck Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	023559
Street Address	528 STONE RD
City	WESTMINSTER
State	MD
Zip	21158-2836
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 1.018 ACS 528 STONE ROAD MT PLEASANT
Legal Subdivision	MT PLEASANT
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	2
Census Block	2014
Census Tract	503000

Owner

528 Stone Rd is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	528 STONE RD, WESTMINSTER, MD 21158-2836
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022 · Amount on File
Deed Sale	May 13, 2022 · Amount on File
Prior Sale	Oct 16, 2001
Deed Book / Page	10776 / 27
Prior Transfer Date	Jan 27, 2015
Prior Transfer Doc	0078850172
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 13, 2022
Property Address	528 STONE RD, WESTMINSTER, MD 21158-2836
Document Number	0107760027
Book / Page	10776 / 27
Instrument Date	Apr 29, 2022
Transaction Type	Transfer
Record Updated	Jun 1, 2022
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount on Record
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
Address	100 PAINTERS MILL RD STE 200, 200, OWINGS MILLS, MD 21117-7300

Mortgage

Document Number	0107760034
Date	May 13, 2022
Instrument	10776-0034

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 528 Stone Rd was $3,979 with a homeowner's exemption, up 5% 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	$3,979.00 (+4.96%) Homeowner's exemption	$382,267 (+5.37%)	$421,200 (+16.1%) Land $150,100 Building $271,100
2025	$3,791.00 Homeowner's exemption	$362,800 Land $125,100 Building $237,700	$362,800 Land $125,100 Building $237,700
2023	$3,513.00 Homeowner's exemption	$310,933	$362,800 Land $125,100 Building $237,700

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

Flood

FEMA maps place 528 Stone 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 528 Stone Rd is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20