654 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 654 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,120 sqft · built 1965
Lot Size	14 acres (613,760 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,000 (Jan 2019)
Tax Bill	$4,120 (2026)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-011636`

Property Details

APN / Parcel Number

Primary APN	`07-011636`
Alternative APNs	`7011636` `011636`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	613,760 sqft (14 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	011636
Street Address	654 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-6808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT - 14.09 ACS 654 RIDGE RD SPRING MILLS
Legal Subdivision	SPRING MILLS
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3012
Census Tract	507702

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	654 RIDGE RD, WESTMINSTER, MD 21157-6808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Prior Sale	May 31, 2005
Deed Book / Page	9198 / 169
Transfer Doc	0044430283
Record Updated	Oct 29, 2026

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 3, 2019
Property Address	654 RIDGE RD, WESTMINSTER, MD 21157-6808
Document Number	0091980169
Book / Page	9198 / 0169
Instrument Date	Dec 13, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022

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
Relationship	Joint Tenants
Address	654 RIDGE RD, WESTMINSTER, MD 21157-6808

Mortgage

Document Number	0009198186
Date	Jan 3, 2019
Instrument	9198/186

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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	$4,120.00 (+7.26%)	$362,600 (+7.38%) Land $205,400 Building $157,200	$362,600 (-) Land $205,400 Building $157,200
2025	$3,841.00 (+18.11%)	$337,667 (+17.33%)	$362,600 (+25.99%) Land $205,400 Building $157,200
2023	$3,252.00	$287,800 Land $205,400 Building $82,400	$287,800 Land $205,400 Building $82,400

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; 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 95% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Rd

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