641 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 641 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,120 sqft · built 1960
Lot Size	0.373 acres (16,258 sqft)
Owner	Individual Name on Record
Last Sale	$216,500 (Mar 2019)
Tax Bill	$2,590 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-026501`

Property Details

APN / Parcel Number

Primary APN	`07-026501`
Alternative APNs	`7026501` `026501`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,120 sqft Total Area
Basement Area	240 sqft
Finished Basement	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	16,258 sqft (0.373 acres)
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	472 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	026501
Street Address	641 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-6807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 2 - 16258 SF 641 RIDGE RD 4-80 BRAMBLE HILLS SC A
Legal Subdivision	BRAMBLE HILLS
Legal Lot Number	2
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	4
Census Block	4003
Census Tract	507801

Owner

Source: Carroll County records, as of August 18, 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	641 RIDGE RD, WESTMINSTER, MD 21157-6807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage SEVERN SAVINGS BANK FSB
Mar 6, 2019	Deed, Transfer · Conventional Mortgage SEVERN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2019 · Amount on Record
Deed Sale	Mar 6, 2019 · Amount on Record
Prior Sale	Oct 9, 1990 · Amount on Record
Deed Book / Page	9235 / 236
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	641 RIDGE RD, WESTMINSTER, MD 21157-6807
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096590211
Date	May 4, 2020
Book Page	9659/211

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 6, 2019
Property Address	641 RIDGE RD, WESTMINSTER, MD 21157-6807
Document Number	0092350236
Book / Page	9235 / 0236
Map Reference	MB 4 FO 80
Instrument Date	Feb 21, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	UNITED TITLE SERVICE LLC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 RIDGE RD, WESTMINSTER, MD 21157-6807

Mortgage

Document Number	0009235241
Date	Mar 6, 2019
Instrument	9235/241

Lender

Name	SEVERN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$271,800 (+22.6%) Land $90,000 Building $181,800	$271,800 (+22.6%) Land $90,000 Building $181,800
2025	$2,590.00 (+3.39%) Homeowner's exemption
2023	$2,505.00 Homeowner's exemption	$221,700 Land $90,000 Building $131,700	$221,700 Land $90,000 Building $131,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Rd

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