918 S Main St, Hampstead, MD 21074 Property Records

Carroll County property record for 918 S Main St, Hampstead, MD 21074

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,940 sqft · built 1922
Lot Size	0.146 acres (6,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Oct 2025)
Tax Bill	$4,040 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-031592`

Property Details

APN / Parcel Number

Primary APN	`08-031592`
Alternative APNs	`8031592` `031592`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,940 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,340 sqft (0.146 acres)

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	420 sqft
Porch	Slab
Porch Area	730 sqft
Patio Area	182 sqft
Shed	1 Shed
Shed Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	031592
Street Address	918 S MAIN ST
City	HAMPSTEAD
State	MD
Zip	21074-2202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT - 6340 SF 918 S MAIN ST HAMPSTEAD
Legal Subdivision	HAMPSTEAD
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	1
Census Block	1000
Census Tract	508200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	918 S MAIN ST, HAMPSTEAD, MD 21074-2202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 23, 2022	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 17, 2025	Deed of Trust, Mortgage · VA Mortgage IMPERIUM LENDING LLC
Oct 10, 2025	Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Sep 14, 2021	Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 26, 2018	Loan Modification, Mortgage · Conventional with PMI PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Sep 14, 2021 · Amount on Record
Deed Book / Page	11589 / 161
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	918 S MAIN ST, HAMPSTEAD, MD 21074-2202
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	BETTERS LAW TITLE & SETTLEMENT LLC, BETTERS LAW TTL & STLMT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0100430423
Date	Jan 11, 2021
Book Page	10043/423

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	918 S MAIN ST, HAMPSTEAD, MD 21074-2202
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	EQUITY SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108180017
Date	Jun 23, 2022
Book Page	10818/17

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	918 S MAIN ST, HAMPSTEAD, MD 21074-2202
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 S MAIN ST, HAMPSTEAD, MD 21074-2202

Mortgage

Document Number	0114570117
Date	Apr 17, 2025
Book Page	11457/117

Lender

Name	IMPERIUM LENDING LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 10, 2025
Property Address	918 S MAIN ST, HAMPSTEAD, MD 21074-2202
Document Number	0115890161
Book / Page	11589 / 161
Instrument Date	Aug 5, 2025
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	STEWART TITLE, STEWART TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
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	918 S MAIN ST # 21074, 21074, HAMPSTEAD, MD 21074-2202

Mortgage

Document Number	0011589168
Date	Oct 10, 2025
Instrument	11589/168

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2055

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 14, 2021
Property Address	918 S MAIN ST, HAMPSTEAD, MD 21074-2202
Document Number	0104480497
Book / Page	10448 / 497
Instrument Date	Aug 27, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0010448506
Date	Sep 14, 2021
Instrument	10448/506

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

January 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARROLL MD
Property Address	918 S MAIN ST, HAMPSTEAD, MD 21074-2202
Document Number	0089630324
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 S MAIN ST HAMPSTEAD MD 210742202, HAMPSTEAD, MD 21074-2202

Mortgage

Document Number	0089630324
Date	Mar 14, 2018
Book Page	008963/000324

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	300 Months
Due	Mar 13, 2043

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Hampstead Town
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,040.00 (+13.83%)	$298,333 (+14%)	$371,600 (+41.99%) Land $90,000 Building $281,600
2025	$3,549.00 (+22.59%)	$261,700 (+22%) Land $75,000 Building $186,700	$261,700 (-) Land $75,000 Building $186,700
2023	$2,895.00	$214,500	$261,700 Land $75,000 Building $186,700

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 · 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	2 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	None beyond ember reach

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	TOWN OF HAMPSTEAD serves 6,600 people · EPA ID MD0060003
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Quantum Internet & Telephone.

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