642 Cherrytown Rd, Westminster, MD 21158 Property Records

Carroll County property record for 642 Cherrytown Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,107 sqft · built 2021
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Oct 2020)
Tax Bill	$6,269 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-003620`

Property Details

APN / Parcel Number

Primary APN	`03-003620`
Alternative APNs	`3003620` `003620`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,107 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	54,450 sqft (1.25 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	003620
Street Address	642 CHERRYTOWN RD
City	WESTMINSTER
State	MD
Zip	21158-1602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 1.25 ACS 642 CHERRYTOWN RD CHERRYTOWN
Legal Subdivision	CHERRYTOWN
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	3
Census Block	3014
Census Tract	503000

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	2 Individual Names on Record
Mailing Address	642 CHERRYTOWN RD, WESTMINSTER, MD 21158-1602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Deed of Trust, Mortgage · Line of Credit TRADITIONS BANK
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRADITIONS BANK
Feb 9, 2021	Deed of Trust, Mortgage · Construction Mortgage YORK TRADITIONS BANK
Oct 21, 2020	Deed, Transfer · Conventional Mortgage MEMBERS 1ST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Deed Book / Page	9911 / 71
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	642 CHERRYTOWN RD, WESTMINSTER, MD 21158-1602
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108560207
Date	Aug 16, 2022
Book Page	10856/207

Lender

Name	TRADITIONS BANK
Type	Bank
Address	YORK, PA 17402

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	642 CHERRYTOWN RD, WESTMINSTER, MD 21158-1602
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0105320018
Date	Oct 28, 2021
Book Page	10532/18

Lender

Name	TRADITIONS BANK
Type	Bank
Address	YORK, PA 17402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	642 CHERRYTOWN RD, WESTMINSTER, MD 21158-1602
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100940329
Date	Feb 9, 2021
Book Page	10094/329

Lender

Name	YORK TRADITIONS BANK
Type	Bank
Address	YORK, PA 17402

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2023
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 21, 2020
Property Address	642 CHERRYTOWN RD, WESTMINSTER, MD 21158-1602
Document Number	0099110071
Book / Page	9911 / 71
Map Reference	LB 72 FO 105
Instrument Date	Oct 13, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND TITLE CENTER 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	335 N FRANKLIN ST, HANOVER, PA 17331-2425

Mortgage

Document Number	0000991176
Date	Oct 21, 2020
Instrument	9911/76

Lender

Name	MEMBERS 1ST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	145 Months
Due	Nov 1, 2032

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	$6,269.00 (+8.07%)	$554,433 (+20.12%)	$637,900 (+24.42%) Land $152,500 Building $485,400
2025	$5,801.00 (+11.24%)
2023	$5,215.00	$461,567	$512,700 Land $127,500 Building $385,200

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	2 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 21 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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