736 Spring Mills Rd, Westminster, MD 21157 Property Records

Carroll County property record for 736 Spring Mills Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,068 sqft · built 1988
Lot Size	3.35 acres (145,926 sqft)
Owner	Individual Name on Record
Last Sale	$134,900 (Nov 1995)
Tax Bill	$3,942 (2026)
Deeds & Mortgages	Sep 2023 Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-048440`

Property Details

APN / Parcel Number

Primary APN	`07-048440`
Alternative APNs	`7048440` `048440`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,068 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	145,926 sqft (3.35 acres)
Deck Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	048440
Street Address	736 SPRING MILLS RD
City	WESTMINSTER
State	MD
Zip	21157-6826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT - 3.35 ACS S/S SPRING MILLS RD WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2004
Census Tract	507801

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	Individual Name on Record
Mailing Address	736 SPRING MILLS RD, WESTMINSTER, MD 21157-6826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage · Unknown ACNB BANK
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 1995 · Amount on Record
Deed Sale	Nov 14, 1995 · Amount on Record
Deed Document Number	19951731
Deed Book / Page	1742 / 732
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	736 SPRING MILLS RD, WESTMINSTER, MD 21157-6826
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 SPRING MILLS RD, WESTMINSTER, MD 21157-6826

Mortgage

Document Number	0111060271
Date	Sep 1, 2023
Book Page	11106/271

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Unknown
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	736 SPRING MILLS RD, WESTMINSTER, MD 21157-6826
Transaction Type	Mortgage
Record Updated	Jun 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102800001
Date	May 20, 2021
Book Page	10280/1

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

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

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	$3,942.00 (+5.43%)	$346,700 (+5.52%) Land $151,700 Building $195,000	$346,700 (-) Land $151,700 Building $195,000
2025	$3,739.00 (+13.23%)	$328,567 (+12.41%)	$346,700 (+18.61%) Land $151,700 Building $195,000
2023	$3,302.00	$292,300 Land $151,700 Building $140,600	$292,300 Land $151,700 Building $140,600

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
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2010 · other causes

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 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

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