809 Lucabaugh Mill Rd, Westminster, MD 21157 Property Records

Carroll County property record for 809 Lucabaugh Mill Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,754 sqft · built 1983
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Apr 2026)
Tax Bill	$3,787 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-046332`

Property Details

APN / Parcel Number

Primary APN	`07-046332`
Alternative APNs	`7046332` `046332`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,754 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	046332
Street Address	809 LUCABAUGH MILL RD
City	WESTMINSTER
State	MD
Zip	21157-3817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 1A - 1.08 ACS LUCABAUGH MILL RD 21-90 ROUGH N TUMBLE ACS PLT A
Legal Subdivision	ROUGH N TUMBLE ACRES A
Legal Lot Number	1A
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1018
Census Tract	507601

Owner

Source: Carroll County records · APN 07-046332

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	809 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND
Apr 24, 2026	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE
Nov 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Oct 14, 1983 · Amount on Record
Deed Book / Page	11744 / 485
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	809 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3817
Transaction Type	Mortgage
Record Updated	May 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103170001
Date	Jun 14, 2021
Book Page	10317/1

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 24, 2026
Property Address	809 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3817
Document Number	1174000485
Book / Page	11744 / 485
Instrument Date	Apr 24, 2026
Transaction Type	Transfer
Record Updated	May 06, 2026
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$474,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	809 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3817

Mortgage

Document Number	1174000493,
Date	Apr 24, 2026
Book Page	11744/493

Lender

Name	TOWNEBANK MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	809 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3817
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094870336
Date	Nov 25, 2019
Book Page	9487/0336

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2034

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$356,800 (+7.21%) Land $130,800 Building $226,000	$356,800 (-) Land $130,800 Building $226,000
2025	$3,787.00 (+17.68%)	$332,800 (+16.85%)	$356,800 (+25.28%) Land $130,800 Building $226,000
2023	$3,218.00	$284,800 Land $130,800 Building $154,000	$284,800 Land $130,800 Building $154,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 11, 2016 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

Based on FCC filings for 54 locations within half a mile of this property.

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