774 Lone Tree Rd, Westminster, MD 21157 Property Records

Carroll County property record for 774 Lone Tree Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,440 sqft · built 2005
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Nov 2020)
Tax Bill	$7,816 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-148615`

Property Details

APN / Parcel Number

Primary APN	`07-148615`
Alternative APN	`148615`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,440 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	88 sqft
Deck Area	528 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	148615
Street Address	774 LONE TREE RD
City	WESTMINSTER
State	MD
Zip	21157-6770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 29 - 1.02 ACS 774 LONE TREE RD 47-194/ DOVES CREST
Legal Subdivision	DOVES CREST
Legal Lot Number	29
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2002
Census Tract	507802

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	774 LONE TREE RD, WESTMINSTER, MD 21157-6770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2018	Deed of Trust, Mortgage FAIRFAX COUNTY FCU
Nov 10, 2020	Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Mar 28, 2018	Deed of Trust, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Apr 6, 2018 · Amount on Record
Deed Book / Page	9944 / 348
Prior Transfer Date	Feb 3, 2009
Prior Transfer Doc	0056800070
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	774 LONE TREE RD, WESTMINSTER, MD 21157-6770
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	DOUBLE EAGLE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0089830041
Date	Apr 6, 2018
Book Page	8983/0041

Lender

Name	FAIRFAX COUNTY FCU
Type	Credit Union
Address	FAIRFAX, VA 22030

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2028

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 10, 2020
Property Address	774 LONE TREE RD, WESTMINSTER, MD 21157-6770
Document Number	0099440348
Book / Page	9944 / 348
Map Reference	MB 47 PG 196
Instrument Date	Oct 29, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	774 LONE TREE RD, WESTMINSTER, MD 21157-6770

Mortgage

Document Number	0009944356
Date	Nov 10, 2020
Instrument	9944/356

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Mortgage

Document Number	0099440374
Date	Nov 10, 2020
Book Page	9944/374

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	774 LONE TREE RD, WESTMINSTER, MD 21157-6770
Document Number	0089830025
Instrument Date	Mar 28, 2018
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	74 LONE TREE RD WESTMINSTER MD 21157, WESTMINSTER, MD 21157

Mortgage

Document Number	0089830025
Date	Apr 6, 2018
Book Page	008983/000025

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 5, 2033

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	$7,816.00 (+5.1%) Homeowner's exemption	$725,000 (+6.35%) Land $160,200 Building $564,800	$725,000 (-) Land $160,200 Building $564,800
2025	$7,437.00 (+10.59%) Homeowner's exemption	$681,733 (+14.54%)	$725,000 (+21.81%) Land $160,200 Building $564,800
2023	$6,725.00 Homeowner's exemption	$595,200 Land $160,200 Building $435,000	$595,200 Land $160,200 Building $435,000

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	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 41 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

May also be available: T-Mobile.

Nearby Properties on Lone Tree Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures