77 S Ralph St, Westminster, MD 21157 Property Records

Carroll County property record for 77 S Ralph St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,170 sqft · built 1946
Lot Size	0.135 acres (5,892 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jun 2018)
Tax Bill	$3,785 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-053142`

Property Details

APN / Parcel Number

Primary APN	`07-053142`
Alternative APNs	`7053142` `053142`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,170 sqft Total Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,892 sqft (0.135 acres)

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	053142
Street Address	77 S RALPH ST
City	WESTMINSTER
State	MD
Zip	21157-5214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT - 5892 SF 77 S RALPH ST WESTMINSTER
Legal Subdivision	RALPH STREET
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1017
Census Tract	507801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	77 S RALPH ST, WESTMINSTER, MD 21157-5214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 12, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 6, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Mar 27, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Mar 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 22, 2018	Grant Deed, Transfer · FHA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Prior Sale	May 26, 2000 · Amount on Record
Deed Book / Page	9048 / 359
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	77 S RALPH ST, WESTMINSTER, MD 21157-5214
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 S RALPH ST, WESTMINSTER, MD 21157-5214

Mortgage

Document Number	0115850378
Date	Oct 7, 2025
Book Page	11585/378

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	77 S RALPH ST, WESTMINSTER, MD 21157-5214
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0112240142
Date	Apr 12, 2024
Book Page	11224/142

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	77 S RALPH ST, WESTMINSTER, MD 21157-5214
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093680237
Date	Aug 6, 2019
Book Page	9368/0237

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	77 S RALPH ST, WESTMINSTER, MD 21157-5214
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096130162
Date	Mar 27, 2020
Book Page	9613/162

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Apr 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	77 S RALPH ST, WESTMINSTER, MD 21157-5214
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101720091
Date	Mar 19, 2021
Book Page	10172/91

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	May 1, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 22, 2018
Property Address	77 S RALPH ST, WESTMINSTER, MD 21157-5214
Document Number	0090480359
Book / Page	009048 / 000359
Instrument Date	Jun 11, 2018
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	HOMELAND TITLE AND ESCROW LIMITED

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 S RALPH ST WESTMINSTER MD 211575214, WESTMINSTER, MD 21157-5214

Mortgage

Document Number	90480364
Date	Jun 22, 2018
Book Page	009048/000364

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,785.00 (+14.49%)	$225,300 (+61.16%) Land $69,600 Building $155,700	$225,300 (+61.16%) Land $69,600 Building $155,700
2025	$3,306.00 (+39.97%)
2023	$2,362.00	$139,800 Land $59,600 Building $80,200	$139,800 Land $59,600 Building $80,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Quantum Internet & Telephone Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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