Carroll County property record for 812 Ryder Ct, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,400 sqft · built 1996 |
| Lot Size | 0.52 acres (22,657 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $597,000 (Nov 2023) |
| Tax Bill | $9,165 (2026) |
| Deeds & Mortgages | May 2024 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-127634 |
| Primary APN | 07-127634 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,400 sqft Total Area |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,657 sqft (0.52 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 127634 |
|---|---|
| Street Address | 812 RYDER CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-6128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-200 |
| Legal Description | LT 278- 22657 SQ FT 812 RYDER CT 38-81/76 AVONDALE RUN PH 2 |
| Legal Subdivision | AVONDALE RUN |
| Legal Phase | 2 |
| Legal Lot Number | 278 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 507704 |
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 | 812 RYDER CT, WESTMINSTER, MD 21158-6128 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 30, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Nov 9, 2023 | Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Dec 5, 2018 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2023 · Amount on Record |
| Deed Sale | Nov 9, 2023 · Amount on Record |
| Prior Sale | Nov 5, 2007 |
| Deed Book / Page | 11145 / 57 |
| Prior Transfer Date | Oct 23, 2007 |
| Prior Transfer Doc | 0053870598 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 812 RYDER CT, WESTMINSTER, MD 21158-6128 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 812 RYDER CT, WESTMINSTER, MD 21158-6128 |
| Document Number | 0112350357 |
|---|---|
| Date | May 3, 2024 |
| Book Page | 11235/357 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 812 RYDER CT, WESTMINSTER, MD 21158-6128 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2024 |
| Name | Verified Name |
|---|---|
| Address | 812 RYDER CT, WESTMINSTER, MD 21158-6128 |
| Document Number | 0112330426 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 11233/426 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Nov 9, 2023 |
| Property Address | 812 RYDER CT, WESTMINSTER, MD 21158-6128 |
| Document Number | 0111450057 |
| Book / Page | 11145 / 57 |
| Map Reference | MB LWS 38 FO 81 |
| Instrument Date | Oct 27, 2023 |
| Transaction Type | Transfer |
| Record Updated | Nov 27, 2023 |
| Title Company | METROPOLITAN TITLE CORPORATION, METROPOLITAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,985.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 812 RYDER CT, WESTMINSTER, MD 21158-6128 |
| Document Number | 0111450063 |
|---|---|
| Date | Nov 9, 2023 |
| Instrument | 11145-0063 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 812 RYDER CT, WESTMINSTER, MD 21158-6128 |
| Document Number | 0091920046 |
| Instrument Date | Dec 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 812 RYDER CT WESTMINSTER MD 211586128, WESTMINSTER, MD 21158-6128 |
| Document Number | 0091920046 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 009192/000046 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,165.00 (+11.54%) | $545,600 (+11.54%) Land $141,600 Building $404,000 | $545,600 (-) Land $141,600 Building $404,000 |
| 2025 | $8,217.00 (+29.22%) | $489,167 (+29.99%) | $545,600 (+44.99%) Land $141,600 Building $404,000 |
| 2023 | $6,359.00 | $376,300 Land $141,600 Building $234,700 | $376,300 Land $141,600 Building $234,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2012 · Hurricane Sandy |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WAKEFIELD VALLEY private · serves 2,436 people · EPA ID MD0060017 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 378 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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