895 Bear Br Rd, Westminster, MD 21157 Property Records

Carroll County property record for 895 Bear Br Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,310 sqft · built 1978
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$662,500 (Feb 2024)
Tax Bill	$5,953 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-015396`

Property Details

APN / Parcel Number

Primary APN	`09-015396`
Alternative APNs	`9015396` `015396`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,310 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	77 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	015396
Street Address	895 BEAR BRANCH RD
City	WESTMINSTER
State	MD
Zip	21157-8107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT 4 - 3.00 ACS 895 BEAR BRANCH RD 14-96 BOB EL FARMS PL A
Legal Subdivision	BOB-EL FARM
Legal Lot Number	4
Jurisdiction	CARROLL MD
Township / Civil Division	9, FRANKLIN
Census Block Group	2
Census Block	2016
Census Tract	509001

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	895 BEAR BRANCH RD, WESTMINSTER, MD 21157-8107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 12, 2019	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST COMPANY OF SC
Mar 19, 2021	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jun 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2024 · Amount on Record
Deed Sale	Feb 16, 2024 · Amount on Record
Prior Sale	Mar 19, 2021 · Amount on Record
Deed Book / Page	11195 / 274
Transfer Doc	0000023406
Record Updated	Sep 20, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 16, 2024
Property Address	895 BEAR BRANCH RD, WESTMINSTER, MD 21157-8107
Document Number	0111950274
Book / Page	11195 / 274
Map Reference	MB 14 FO 96
Instrument Date	Feb 8, 2024
Transaction Type	Transfer
Record Updated	Mar 1, 2024
Title Company	NOT AVAILABLE, ADMIRAL TTL LLC DBA ADMIRAL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,312.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	895 BEAR BRANCH RD, WESTMINSTER, MD 21157-8107

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0111950281
Date	Feb 16, 2024
Instrument	11195-0281

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	895 BEAR BRANCH RD, WESTMINSTER, MD 21157-8107
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094750037
Date	Nov 12, 2019
Book Page	9475/0037

Lender

Name	BRANCH BANKING AND TRUST COMPANY OF SC
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 19, 2021
Property Address	895 BEAR BRANCH RD, WESTMINSTER, MD 21157-8107
Document Number	0101710101
Book / Page	10171 / 101
Map Reference	MB 14 FO 96
Instrument Date	Jan 21, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAWYERS EXPRESS TITLE LLC

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 in Severalty
Address	895 BEAR BRANCH RD, WESTMINSTER, MD 21157-8107

Mortgage

Document Number	0010171106
Date	Mar 19, 2021
Instrument	10171/106

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	895 BEAR BRANCH RD, WESTMINSTER, MD 21157-8107
Document Number	0087280304
Book / Page	008728 / 000304
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 17, 2017
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895 BEAR BRANCH RD WESTMINSTER MD 211578107, WESTMINSTER, MD 21157-8107

Mortgage

Document Number	0087280304
Date	Jun 22, 2017
Book Page	008728/000304

Lender

Name	SUNTRUST MTG
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2047

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		$580,833 (+3%)	$621,400 (+24.35%) Land $200,000 Building $421,400
2025	$5,953.00 (+17.93%) Homeowner's exemption
2023	$5,048.00	$446,800	$499,700 Land $200,000 Building $299,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 47 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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