818 Lucabaugh Mill Rd, Westminster, MD 21157 Property Records

Carroll County property record for 818 Lucabaugh Mill Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,030 sqft · built 2020
Lot Size	2.16 acres (94,090 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jul 2020)
Tax Bill	$7,451 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2020 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-046413`

Property Details

APN / Parcel Number

Primary APN	`07-046413`
Alternative APNs	`7046413` `046413`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,030 sqft Total Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	94,090 sqft (2.16 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	046413
Street Address	818 LUCABAUGH MILL RD
City	WESTMINSTER
State	MD
Zip	21157-3818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 54 - 2.1596 ACS 818 LUCABAUGH MILL RD 53 WINDY HILLS FARMS PH 2
Legal Subdivision	WINDY HILLS FARMS
Legal Phase	2
Legal Lot Number	54
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2003
Census Tract	507601

Owner

818 Lucabaugh Mill Rd is owned and occupied by two individuals who bought it in July 2020.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	818 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3818
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND
Jul 20, 2020	Deed, Construction Loan · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Jun 19, 2018	Grant Deed, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2020 · Amount on File
Deed Sale	Jul 20, 2020 · Amount on File
Prior Sale	Aug 23, 2013 · Amount on File
Deed Book / Page	9765 / 496
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	818 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3818
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101200223
Date	Feb 23, 2021
Book Page	10120/223

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

July 2020: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 20, 2020
Property Address	818 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3818
Document Number	0097650496
Book / Page	9765 / 496
Map Reference	MB 53 FO 73
Instrument Date	Jul 13, 2020
Transaction Type	Construction Loan
Record Updated	Aug 11, 2022
Title Company	COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount on Record
Tax	$0.00
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	408 COMICHE COURT, WESTMINSTER, MD 21158

Mortgage

Document Number	0009765501
Date	Jul 20, 2020
Instrument	9765/501

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Aug 1, 2051

June 2018: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 19, 2018
Property Address	818 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3818
Document Number	0090440426
Book / Page	009044 / 000426
Instrument Date	Jun 11, 2018
Transaction Type	Mortgage
Record Updated	Jul 3, 2018
Title Company	RESIDENTIAL TITLE AND ESCROW INC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3230 BETHANY LN ELLICOTT CITY MD 210422271, ELLICOTT CITY, MD 21042-2271
Investor	Possibly a Property Investor

Mortgage

Document Number	90440426
Date	Jun 19, 2018
Book Page	009044/000426

Lender

Name	BRANCH BK&TR
Type	Bank
Address	307 INTERNATIONAL CIR # 600, HUNT VALLEY, MD 21030-1376

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 818 Lucabaugh Mill Rd was $7,451 with a homeowner's exemption, up 5% from the year before.

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	$7,451.00 (+5.05%) Homeowner's exemption	$681,300 (+5.86%) Land $211,500 Building $469,800	$681,300 (-) Land $211,500 Building $469,800
2025	$7,093.00 Homeowner's exemption	$643,567	$681,300 Land $211,500 Building $469,800
2023	$6,419.00	$568,100 Land $211,500 Building $356,600	$568,100 Land $211,500 Building $356,600

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

Flood

FEMA maps place 818 Lucabaugh Mill Rd in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 818 Lucabaugh Mill Rd is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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