778 Lone Tree Rd, Westminster, MD 21157 Property Records

Carroll County property record for 778 Lone Tree Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,510 sqft · built 2009
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (May 2009)
Tax Bill	$7,342 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-148631`

Property Details

APN / Parcel Number

Primary APN	`07-148631`
Alternative APN	`148631`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,510 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces
Deck Area	318 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	148631
Street Address	778 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 31- 1.00 AC 778 LONE TREE RD 47-194/ DOVES CREST
Legal Subdivision	DOVES CREST
Legal Lot Number	31
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	PO BOX 51, WESTMINSTER, MD 21158-0051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage BALTIMORE COUNTY EMPLOYEES FCU
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANFLIGHT LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2009 · Amount on Record
Deed Sale	May 15, 2009 · Amount on Record
Deed Document Number	200982689
Deed Book / Page	5812 / 281
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	778 LONE TREE RD, WESTMINSTER, MD 21157-6770
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	COMMUNITY TITLE NETWORK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109000156
Date	Oct 4, 2022
Book Page	10900/156

Lender

Name	BALTIMORE COUNTY EMPLOYEES FCU
Type	Credit Union
Address	TOWSON, MD 21204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 30, 2032

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	778 LONE TREE RD, WESTMINSTER, MD 21157-6770
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098410188
Date	Sep 9, 2020
Book Page	9841/188

Lender

Name	LOANFLIGHT LENDING LLC
Type	Mortgage Company
Address	TAMPA, FL 33607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$7,342.00 (+5.07%) Homeowner's exemption	$675,800 (+20.83%) Land $150,000 Building $525,800	$675,800 (+20.83%) Land $150,000 Building $525,800
2025	$6,988.00 (+10.57%) Homeowner's exemption
2023	$6,320.00 Homeowner's exemption	$559,300 Land $160,000 Building $399,300	$559,300 Land $160,000 Building $399,300

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.

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