840 Arnold Rd, Westminster, MD 21157 Property Records

Carroll County property record for 840 Arnold Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,544 sqft · built 1994
Lot Size	2.94 acres (128,066 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Nov 2021)
Tax Bill	$5,591 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-060326`

Property Details

APN / Parcel Number

Primary APN	`04-060326`
Alternative APNs	`4060326` `060326`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,544 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	128,066 sqft (2.94 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Deck Area	327 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	060326
Street Address	840 ARNOLD RD
City	WESTMINSTER
State	MD
Zip	21157-7227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 8 - 2.94 ACS 840 ARNOLD RD 31-79/81 REBECCAS RIDGE PL C
Legal Subdivision	PLAT C REBECCA S RIDGE
Legal Lot Number	8
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	2
Census Block	2000
Census Tract	504201

Owner

Source: Carroll County records, as of August 18, 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	840 ARNOLD RD, WESTMINSTER, MD 21157-7227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC
Nov 29, 2021	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 16, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Prior Sale	Dec 8, 2006 · Amount on Record
Deed Book / Page	10574 / 372
Prior Transfer Date	Jul 26, 2016
Prior Transfer Doc	0093780104
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	840 ARNOLD RD, WESTMINSTER, MD 21157-7227
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMT & ESCROW L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100390282
Date	Jan 7, 2021
Book Page	10039/282

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company
Address	GAITHERSBURG, MD 20878

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2036

Interest

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 29, 2021
Property Address	840 ARNOLD RD, WESTMINSTER, MD 21157-7227
Document Number	0105740372
Book / Page	10574 / 372
Map Reference	MB LWS 31 FO 81
Instrument Date	Nov 16, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EMERALD TITLE AND ESCROW INC, EMERALD TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	840 ARNOLD RD, WESTMINSTER, MD 21157-7227

Mortgage

Document Number	0010574377
Date	Nov 29, 2021
Instrument	10574/377

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Aug 16, 2019
Property Address	840 ARNOLD RD, WESTMINSTER, MD 21157-7227
Document Number	0093780104
Book / Page	9378 / 0104
Map Reference	MB 31 FOL 81
Instrument Date	Jul 26, 2016
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIRST TITLE AND ESCROW INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 ARNOLD RD, WESTMINSTER, MD 21157-7227

Mortgage

Document Number	0009378109
Date	Aug 16, 2019
Instrument	9378/109

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2039

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$697,867 (+4.19%)	$754,000 (+12.57%) Land $219,400 Building $534,600
2025	$5,591.00 (-1.72%) Homeowner's exemption	$669,800 (+33.02%) Land $179,400 Building $490,400	$669,800 (-) Land $179,400 Building $490,400
2023	$5,689.00	$503,533	$669,800 Land $179,400 Building $490,400

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
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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Nearby Properties on Arnold Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures