Carroll County property record for 820 Lucabaugh Mill Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,196 sqft · built 1995 |
| Lot Size | 1.34 acres (58,370 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Jul 2003) |
| Tax Bill | $4,198 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-046405 |
| Primary APN | 07-046405 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 1,196 sqft Total Area |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 58,370 sqft (1.34 acres) |
| Porch | Slab |
| Porch Area | 24 sqft |
| Deck Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 046405 |
|---|---|
| Street Address | 820 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 8A -1.34 AC LUCABAUGH MILL RD 21-90 ROUGH N TUMBLE ACS |
| Legal Subdivision | TUMBLE ACRES |
| Legal Lot Number | 8A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 507601 |
820 Lucabaugh Mill Rd is owned and occupied by two individuals who bought it in July 2003.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 820 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.
| Date | Document |
|---|---|
| Nov 3, 2025 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Dec 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK |
| Sep 25, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2003 · Amount on File |
| Deed Sale | Jul 15, 2003 · Amount on File |
| Prior Sale | Nov 22, 1995 · Amount on File |
| Deed Document Number | 2003106 |
| Deed Book / Page | 3523 / 14 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 820 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3818 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Name | Verified Name |
|---|---|
| Address | 820 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3818 |
| Document Number | 0116050229 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 11605/229 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Oct 25, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 820 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3818 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | MARYLAND TITLE CENTER LLC |
| Name | Verified Name |
|---|
| Document Number | 0088810334 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 8881/0334 |
| Instrument | 8881-0334 |
| Name | ACNB BANK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 820 LUCABAUGH MILL RD, WESTMINSTER, MD 21157-3818 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0091280046 |
|---|---|
| Date | Sep 25, 2018 |
| Book Page | 9128/0046 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 820 Lucabaugh Mill Rd was $4,198 with a homeowner's exemption, up 5% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,198.00 (+4.98%) Homeowner's exemption | $376,900 Land $133,400 Building $243,500 | $376,900 Land $133,400 Building $243,500 |
| 2025 | $3,999.00 Homeowner's exemption | ||
| 2023 | $3,599.00 Homeowner's exemption | $318,500 Land $133,400 Building $185,100 | $318,500 Land $133,400 Building $185,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 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 risk around 820 Lucabaugh Mill Rd is low, with less than 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 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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: FCC Broadband Data Collection, based on 72 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 |
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