Carroll County property record for 685 Hook Rd, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 1988 |
| Square Footage | 1,960 sqft Total Area |
| Lot Size | 49,658 sqft (1.14 acres) |
| Garage | Attached, 576 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $151,400 (1987) |
| Tax Bill | $4,263.00 (2025) |
| Primary APN | 04-055365 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,960 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 49,658 sqft (1.14 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 576 sqft Garage |
| Deck Area | 140 sqft Deck |
| Porch Area | 168 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 055365 |
|---|---|
| Street Address | 685 HOOK RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7220 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | OUTSALE 2 - 1.14 ACS S OF HOOK RD S OF OGG SUMMITT |
| Legal Subdivision | THOMAS B & LEWIS M JR BOND |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 4, WOOLERYS |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 504201 |
Source: Carroll County records · APN 04-055365
Assessment roll updated August 5, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 685 HOOK RD, WESTMINSTER, MD 21157-7220 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 06, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Oct 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EQUITY MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 05, 1987 · Amount on Record |
| Deed Sale | Nov 05, 1987 · Amount on Record |
| Prior Sale | Jun 17, 1987 · Amount on Record |
| Deed Book / Page | 1054 / 670 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 685 HOOK RD, WESTMINSTER, MD 21157-7220 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 685 HOOK RD, WESTMINSTER, MD 21157-7220 |
| Document Number | 0109430442 |
|---|---|
| Date | Dec 06, 2022 |
| Book Page | 10943/442 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 478 Months |
| Due | Oct 28, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 685 HOOK RD, WESTMINSTER, MD 21157-7220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | GUARANTEED TRUST TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0091440388 |
|---|---|
| Date | Oct 16, 2018 |
| Book Page | 9144/0388 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 685 HOOK RD, WESTMINSTER, MD 21157-7220 |
| Document Number | 0096900119 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | MICASA TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 685 HOOK RD WESTMINSTER MD 211577220, WESTMINSTER, MD 21157-7220 |
| Document Number | 0096900119 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 009690/000119 |
| Name | EQUITY MTG |
|---|---|
| Type | Mortgage Company |
| Address | OWINGS MILLS, MD 21117 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 26, 2050 |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $421,033 (+20.96%) | $461,900 (+15.3%) Land $201,400 Building $260,500 | |
| 2025 | $4,263.00 (+8.39%) Homeowner's exemption | ||
| 2023 | $3,933.00 Homeowner's exemption | $348,067 | $400,600 Land $161,400 Building $239,200 |
685 Hook Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Carroll County (24013C), updated March 11, 2016
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 41st in Maryland |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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