816 Ryder Ct, Westminster, MD 21158 Property Records

Carroll County property record for 816 Ryder Ct, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,880 sqft · built 1995
Lot Size	0.551 acres (24,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Nov 2018)
Tax Bill	$8,752 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-127650`

Property Details

APN / Parcel Number

Primary APN	`07-127650`
Alternative APNs	`7127650` `127650`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,880 sqft Total Area
Basement Area	1,100 sqft
Finished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,010 sqft (0.551 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	50 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	127650
Street Address	816 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 280 - 0.551 AC 816 RYDER CT 38-81/76 AVONDALE RUN PH 2
Legal Subdivision	AVONDALE RUN
Legal Phase	2
Legal Lot Number	280
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3003
Census Tract	507704

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	816 RYDER CT, WESTMINSTER, MD 21158-6128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 20, 2018	Quit Claim Deed, Transfer MILLENNIUM TITLE AND ABSTRACT COMPANY, MILLENNIUM TITLE & ABSTRACT CO
Nov 20, 2018	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Prior Sale	Mar 9, 1999 · Amount on Record
Deed Book / Page	9168 / 324
Prior Transfer Date	Oct 19, 2018
Prior Transfer Doc	0091680353
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	816 RYDER CT, WESTMINSTER, MD 21158-6128
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100980382
Date	Feb 11, 2021
Book Page	10098/382

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Jan 1, 2046

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 20, 2018
Property Address	816 RYDER CT, WESTMINSTER, MD 21158-6128
Document Number	0091680353
Book / Page	009168 / 000353
Instrument Date	Oct 19, 2018
Transaction Type	Transfer
Record Updated	Nov 30, 2018
Title Company	MILLENNIUM TITLE AND ABSTRACT COMPANY, MILLENNIUM TITLE & ABSTRACT CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	816 RYDER CT WESTMINSTER MD 211586128, WESTMINSTER, MD 21158-6128

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 20, 2018
Property Address	816 RYDER CT, WESTMINSTER, MD 21158-6128
Document Number	0091680324
Book / Page	009168 / 000324
Instrument Date	Oct 19, 2018
Transaction Type	Transfer
Record Updated	Nov 30, 2018
Title Company	MILLENNIUM TITLE AND ABSTRACT COMPANY, MILLENNIUM TITLE & ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	816 RYDER CT WESTMINSTER MD 211586128, WESTMINSTER, MD 21158-6128

Mortgage

Document Number	91680331
Date	Nov 20, 2018
Book Page	009168/000331

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2048

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	$8,752.00 (+5.87%) Homeowner's exemption	$570,400 (+7.43%) Land $144,100 Building $426,300	$570,400 (-) Land $144,100 Building $426,300
2025	$8,267.00 (+8.21%) Homeowner's exemption	$530,967 (+17.44%)	$570,400 (+26.17%) Land $144,100 Building $426,300
2023	$7,640.00 Homeowner's exemption	$452,100 Land $144,100 Building $308,000	$452,100 Land $144,100 Building $308,000

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 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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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