54 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 54 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	6,486 sqft · built 1915
Lot Size	2.5 acres (109,074 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Jan 2026)
Tax Bill	$12,940 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-011989`

Property Details

APN / Parcel Number

Primary APN	`07-011989`
Alternative APNs	`7011989` `011989`

Interior

Stories	2 Stories
Building Area	6,486 sqft Total Area
1st Floor Area	5,286 sqft
Basement Area	2,718 sqft
Unfinished Basement	2,718 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Slate
Lot Area	109,074 sqft (2.5 acres)
Garage Type	Mixed
Garage Area	650 sqft
Porch	Slab
Porch Area	463 sqft
Loading Dock	122 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	011989
Street Address	54 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-4450
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	R-100
Legal Description	LT - 2.504 ACS 54 RIDGE RD NR SE/S FITZHUGH AVE
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3023
Census Tract	507702

Owner

54 Ridge Rd, a commercial property, is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 RIDGE RD, WESTMINSTER, MD 21157-4450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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, 2026	Deed, Subdivision Related Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
May 2, 2022	Deed, Transfer · Commercial Mortgage JLR HOLDINGS LLC
Oct 21, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2026 · Amount on File
Deed Sale	Jan 28, 2026 · Amount on File
Prior Sale	Feb 12, 2024 · Amount on File
Deed Book / Page	11673 / 1
Prior Transfer Date	Oct 7, 2021
Prior Transfer Doc	0105170027
Record Updated	Oct 29, 2026

January 2026: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 28, 2026
Property Address	54 RIDGE RD, WESTMINSTER, MD 21157-4450
Document Number	0116730001
Book / Page	11673 / 1
Instrument Date	Nov 25, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 12, 2026
Title Company	WESTERN TITLE AND ESCROW COMPANY, TERRAIN TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,000.00
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	54 RIDGE RD, WESTMINSTER, MD 21157-4450

Mortgage

Document Number	0000116738
Date	Jan 28, 2026
Instrument	11673/8

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2055

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 2, 2022
Property Address	54 RIDGE RD, WESTMINSTER, MD 21157-4450
Document Number	0107610048
Book / Page	10761 / 48
Instrument Date	Apr 14, 2022
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE COMPANY INC

Transaction

Amount	Amount 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	8458 CHURCH LANE RD, ELLICOTT CITY, MD 21043-3304

Mortgage

Document Number	0107610054
Date	May 2, 2022
Instrument	10761-0054

Lender

Name	JLR HOLDINGS LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Oct 21, 2021
Property Address	54 RIDGE RD, WESTMINSTER, MD 21157-4450
Document Number	0105170027
Book / Page	10517 / 27
Instrument Date	Oct 7, 2021
Transaction Type	Transfer
Record Updated	Nov 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 RIDGE RD, WESTMINSTER, MD 21157-4414

Tax Assessment & Valuation

The 2026 property tax bill for 54 Ridge Rd was $12,940 with a homeowner's exemption, up 324.7% 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	$12,940.00 (+324.68%) Homeowner's exemption	$1,155,500 (+324.66%) Land $272,100 Building $883,400	$1,155,500 (+324.66%) Land $272,100 Building $883,400
2025	$3,047.00	$272,100 Land $272,100	$272,100 Land $272,100
2023	$6,283.00	$556,100 Land $272,100 Building $284,000	$556,100 Land $272,100 Building $284,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 54 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 54 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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