810 Ridge Rd, Westminster, MD 21157 Property Records

Carroll County property record for 810 Ridge Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,777 sqft · built 1800
Lot Size	11.7 acres (510,915 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jun 2019)
Tax Bill	$4,453 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`07-122578`

Property Details

APN / Parcel Number

Primary APN	`07-122578`
Alternative APNs	`7122578` `122578`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,777 sqft Total Area
Basement Area	476 sqft
Finished Basement	476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Exterior Material	Siding
Roof Material	Metal
Lot Area	510,915 sqft (11.7 acres)
Porch	Slab
Porch Area	196 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	122578
Street Address	810 RIDGE RD
City	WESTMINSTER
State	MD
Zip	21157-6810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT - 11.7287 ACS 810 RIDGE RD WESTMINSTER
Legal Subdivision	PADDOCKS
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1000
Census Tract	507702

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	810 RIDGE RD, WESTMINSTER, MD 21157-6810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
Jun 24, 2019	Grant Deed, Transfer · Conventional Mortgage CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2019 · Amount on Record
Deed Sale	Jun 24, 2019 · Amount on Record
Prior Sale	Oct 29, 2009 · Amount on Record
Deed Book / Page	9328 / 128
Transfer Doc	0026490535
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	810 RIDGE RD, WESTMINSTER, MD 21157-6810
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	RESOURCE REAL ESTATE SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098820468
Date	Oct 5, 2020
Book Page	9882/468

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Jul 1, 2035

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 24, 2019
Property Address	810 RIDGE RD, WESTMINSTER, MD 21157-6810
Document Number	0093280128
Book / Page	009328 / 000128
Instrument Date	Jun 14, 2019
Transaction Type	Transfer
Record Updated	Jul 3, 2019
Title Company	BLUE RIDGE TITLE COMPANY, BLUE RIDGE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	810 RIDGE RD WESTMINSTER MD 211576810, WESTMINSTER, MD 21157-6810

Mortgage

Document Number	93280133
Date	Jun 24, 2019
Book Page	009328/000133

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 23, 2034

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	$4,453.00 (+5.35%) Homeowner's exemption	$676,200 (+8.5%) Land $173,600 Building $502,600	$676,200 (-) Land $173,600 Building $502,600
2025	$4,227.00 (-27.68%) Homeowner's exemption	$623,233 (+20.48%)	$676,200 (+30.72%) Land $173,600 Building $502,600
2023	$5,845.00 (+16.92%) Homeowner's exemption	$517,300 (+16.93%) Land $173,600 Building $343,700	$517,300 (-) Land $173,600 Building $343,700
2022	$4,999.00 Homeowner's exemption	$442,400	$517,300 Land $173,600 Building $343,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 43 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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