Carroll County property record for 948 Ruby Dr, Westminster, MD 21158 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,088 sqft Total Area |
| Lot Size | 8,567 sqft (0.197 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $348,500 (2024) |
| Tax Bill | $4,828.00 (2025) |
| Primary APN | 07-090021 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,088 sqft Total Area |
| Basement Area | 672 sqft Basement |
| Finished Basement | 672 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,567 sqft (0.197 acres) |
| Deck Area | 240 sqft Deck |
| Patio Area | 240 sqft Patio |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 090021 |
|---|---|
| Street Address | 948 RUBY DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-4252 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 16 - 8567 SF 948 RUBY DR 27-8 BLK S GREENS/WEST SC 6 PLT 1 |
| Legal Subdivision | GREENS WESTMINSTER SEC 06 |
| Legal Block | S |
| Legal Lot Number | 16 |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 7, WESTMINSTER |
| Census Blockgroup | 1 |
| Census Block | 1014 |
| Census Tract | 507704 |
Source: Carroll County records · APN 07-090021
Assessment roll updated August 5, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 948 RUBY DR, WESTMINSTER, MD 21158-4252 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Jun 17, 2026 | Warranty Deed, Transfer RED ROCK TITLE & SETTLEMENTS |
| Mar 04, 2024 | Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BANK NA |
| Jun 29, 2020 | Deed, Transfer · Veterans Administration Mortgage CAPITAL BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 04, 2024 · Amount on Record |
| Deed Sale | Mar 04, 2024 · Amount on Record |
| Prior Sale | Jun 29, 2020 · Amount on Record |
| Deed Book / Page | 11201 / 223 |
| Last Transfer Date | Apr 24, 2026 |
| Transfer Doc | 1179000385 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 17, 2026 |
| Property Address | 948 RUBY DR, WESTMINSTER, MD 21158-4252 |
| Document Number | 1179000385 |
| Book / Page | 11793 / 385 |
| Instrument Date | Apr 24, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | RED ROCK TITLE & SETTLEMENTS |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 948 RUBY DR, WESTMINSTER, MD 21158-4252 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Mar 04, 2024 |
| Property Address | 948 RUBY DR, WESTMINSTER, MD 21158-4252 |
| Document Number | 0112010223 |
| Book / Page | 11201 / 223 |
| Map Reference | MB 27 FO 8 |
| Instrument Date | Feb 21, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2024 |
| Title Company | RE TITLE SERVICES LLC, RAVEN TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $871.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 948 RUBY DR, WESTMINSTER, MD 21158-4252 |
| Document Number | 0112010230 |
|---|---|
| Date | Mar 04, 2024 |
| Instrument | 11201-0230 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 948 RUBY DR, WESTMINSTER, MD 21158-4252 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0102240354 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 10224/354 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | ROCKVILLE, MD 20850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 29, 2020 |
| Property Address | 948 RUBY DR, WESTMINSTER, MD 21158-4252 |
| Document Number | 0097420151 |
| Book / Page | 9742 / 151 |
| Map Reference | MB 27 FO 8 |
| Instrument Date | Jun 09, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CERTIFIED TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 948 RUBY DR, WESTMINSTER, MD 21158-4252 |
| Document Number | 0009742157 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 9742/157 |
| Name | CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $307,100 (+6.01%) Land $101,300 Building $205,800 | $307,100 (-) Land $101,300 Building $205,800 | |
| 2025 | $4,828.00 (+12.1%) Homeowner's exemption | $289,700 (+13.65%) | $307,100 (+20.48%) Land $101,300 Building $205,800 |
| 2023 | $4,307.00 | $254,900 Land $98,600 Building $156,300 | $254,900 Land $98,600 Building $156,300 |
948 Ruby Dr is in FEMA Zone X (minimal flood hazard (unshaded X)), outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Carroll County (24013C), updated March 11, 2016
| FEMA Flood Zone | Zone X minimal flood hazard (unshaded X) |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024)
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 41st in Maryland |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Lookups use the parcel center point against federal datasets; a lot that straddles a boundary may differ at its edges, and lenders make the official flood determination. Wildfire values come from a national model at roughly 900 ft resolution with fuels as of 2020 and describe conditions, not a forecast.
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