7406 River Rd, Westover, MD 21871 Property Records

Somerset County property record for 7406 River Rd, Westover, MD 21871

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,232 sqft · built 1976
Lot Size	0.865 acres (37,679 sqft)
Owner	Individual Name on Record
Last Sale	$113,500 (Jul 2019)
Tax Bill	$2,005 (2026)
Deeds & Mortgages	Feb 2019 Line of Credit Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-038424`

Property Details

APN / Parcel Number

Primary APN	`03-038424`
Alternative APNs	`3038424` `038424`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	37,679 sqft (0.865 acres)
Porch	Porch
Porch Area	264 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	038424
Street Address	7406 RIVER RD
City	WESTOVER
State	MD
Zip	21871-4012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	0.865 ACRE - PLAT 9/ ON BIG ANNAMESSEX NORTH OF MARION
Legal Subdivision	EAST OF ANNEMESSEX CREEK
Jurisdiction	SOMERSET MD
Township / Civil Division	3, BRINKLEYS
Census Block Group	2
Census Block	2004
Census Tract	930500

Owner

Source: Somerset County records, as of October 6, 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	7406 RIVER RD, WESTOVER, MD 21871-4012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2019	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
Jul 2, 2019	Grant Deed, Transfer MORTGAGE NTWK
Nov 21, 2017	Grant Deed, Transfer MID-ATLANTIC TITLE AND ESCROW COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Nov 21, 2017 · Amount on Record
Deed Book / Page	1044 / 1
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET MD
Property Address	7406 RIVER RD, WESTOVER, MD 21871-4012
Transaction Type	Mortgage
Record Updated	May 3, 2022
Title Company	MID ATLANTIC TITLE& ESCROW C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010250239
Date	Feb 12, 2019
Book Page	1025/239

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 8, 2039

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET MD
Recording Date	Jul 2, 2019
Property Address	7406 RIVER RD, WESTOVER, MD 21871-4012
Document Number	0010440001
Book / Page	001044 / 000001
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	Jul 22, 2019
Title Company	MID-ATLANTIC TITLE AND ESCROW COMPANY, MID-ATLANTIC TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$113.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	406 RIVER RD WESTOVER MD 21871, WESTOVER, MD 21871

Mortgage

Document Number	10440006
Date	Jul 2, 2019
Book Page	001044/000006

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SOMERSET MD
Recording Date	Nov 21, 2017
Property Address	7406 RIVER RD, WESTOVER, MD 21871-4012
Document Number	0009670268
Book / Page	000967 / 000268
Instrument Date	Nov 10, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	MID-ATLANTIC TITLE AND ESCROW COMPANY

Transaction

Amount	Amount Recorded
Tax	$55.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1000 E MAIN ST SALISBURY MD 218044492, SALISBURY, MD 21804-4492

Tax Assessment & Valuation

Source: Somerset County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Somerset County
Unified School District	Somerset County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,005.00 (+6.2%) Homeowner's exemption	$182,667 (+36.76%)	$201,700 (+39.49%) Land $57,800 Building $143,900
2025	$1,888.00 (+27.14%) Homeowner's exemption
2023	$1,485.00 Homeowner's exemption	$133,567	$144,600 Land $36,900 Building $107,700

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 February 28, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 76 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	76 in force
Nearby Flood Claims	28 (1984–2022)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Dec 2022 · river or lake flooding
Claims by Event	Hurricane Sandy, Oct 2012 · 14 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims

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	Moderate above 63% of the US · above 93% of Maryland
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bloosurf Fixed Wireless	25 / 3

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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