78 S Ralph St, Westminster, MD 21157 Property Records

Carroll County property record for 78 S Ralph St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,956 sqft · built 1951
Lot Size	0.203 acres (8,848 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Apr 2024)
Tax Bill	$6,069 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-066074`

Property Details

APN / Parcel Number

Primary APN	`07-066074`
Alternative APNs	`7066074` `066074`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,956 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,848 sqft (0.203 acres)
Lot Dimensions	112 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	138 sqft
Patio Area	608 sqft
Shed	1 Shed
Shed Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	066074
Street Address	78 S RALPH ST
City	WESTMINSTER
State	MD
Zip	21157-5253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	PT OF LTS 56 & 57 - 78 RALPH ST FRIZZELS ADD
Legal Subdivision	FRIZZELS ADD
Legal Lot Number	56-78
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1012
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	78 S RALPH ST, WESTMINSTER, MD 21157-5253
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2024	Deed, Subdivision Related Transfer · FHA Mortgage WATERMARK CAPITAL INC
Feb 7, 2024	Special Warranty Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2024 · Amount on Record
Deed Sale	Apr 4, 2024 · Amount on Record
Prior Sale	Feb 7, 2024 · Amount on Record
Deed Book / Page	11219 / 418
Record Updated	Oct 29, 2026

April 2024: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 4, 2024
Property Address	78 S RALPH ST, WESTMINSTER, MD 21157-5253
Document Number	0112190418
Book / Page	11219 / 418
Instrument Date	Mar 13, 2024
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 18, 2024
Title Company	NOT AVAILABLE, JUNCTION TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
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	78 SOUTH RAIPH STREET, WESTMINSTER, MD 21157-5253

Mortgage

Document Number	0112190427
Date	Apr 4, 2024
Instrument	11219-0427

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

February 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 7, 2024
Property Address	78 S RALPH ST, WESTMINSTER, MD 21157-5253
Document Number	0111900058
Book / Page	11190 / 58
Instrument Date	Nov 17, 2023
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	PROPERTY TITLE GROUP LLC, PROPERTY T&E LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$965.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2046 SNYDERSBURG RD, WESTMINSTER, MD 21157-3427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6061 MOORE DR, SYKESVILLE, MD 21784-8677

Mortgage

Document Number	0111900065
Date	Feb 7, 2024
Instrument	11190-0065

Lender

Name	COMMERCIAL LENDER LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Dec 1, 2024

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	$6,069.00 (+10.23%)	$361,300 (+93.21%) Land $73,400 Building $287,900	$361,300 (+93.21%) Land $73,400 Building $287,900
2025	$5,506.00 (+74.24%)
2023	$3,160.00	$187,000 Land $63,400 Building $123,600	$187,000 Land $63,400 Building $123,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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