950 Gist Rd, Westminster, MD 21157 Property Records

Carroll County property record for 950 Gist Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	5 ba · 5,656 sqft · built 1795
Lot Size	4.2 acres (183,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$799,000 (Jul 2020)
Tax Bill	$10,265 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-040598`

Property Details

APN / Parcel Number

Primary APN	`07-040598`
Alternative APNs	`7040598` `040598`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	5,656 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1795
Effective Year Built	Effective 1795
Exterior Material	Brick
Roof Material	Metal
Lot Area	183,300 sqft (4.2 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	960 sqft
Porch	Slab
Porch Area	923 sqft
Patio Area	280 sqft
Shed	1 Shed
Shed Area	608 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	040598
Street Address	950 GIST RD
City	WESTMINSTER
State	MD
Zip	21157-5731
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 4 - 4.2075 ACS 950 GIST RD 51-117 FRIENDSHIP MANOR
Legal Subdivision	FRIENDSHIP MANOR
Legal Lot Number	4
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2004
Census Tract	507801

Owner

Source: Carroll County records, as of October 20, 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	950 GIST RD, WESTMINSTER, MD 21157-5731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Line of Credit BEAZER MORTGAGE CORPORATION
Jul 6, 2020	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage SERVICE FIRST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2020 · Amount on Record
Deed Sale	Jul 6, 2020 · Amount on Record
Prior Sale	Feb 5, 1998 · Amount on Record
Deed Book / Page	9750 / 427
Transfer Doc	0000973037
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	May 19, 2026
Property Address	950 GIST RD, WESTMINSTER, MD 21157-5731
Document Number	1176000218
Book / Page	11766 / 218
Instrument Date	Feb 27, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 GIST RD, WESTMINSTER, MD 21157-5731

Mortgage

Document Number	1176000218,
Date	May 19, 2026
Book Page	11766/218

Lender

Name	BEAZER MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate	6.1%
Max Rate	-1%

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 6, 2020
Property Address	950 GIST RD, WESTMINSTER, MD 21157-5731
Document Number	0097500427
Book / Page	9750 / 427
Map Reference	LB 2008 FO 876
Instrument Date	Jun 29, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	EGUARD TITLE INS AGCY 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

Mortgage

Document Number	0009750436
Date	Jul 6, 2020
Instrument	9750/436

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Mortgage

Document Number	0097500454
Date	Jul 6, 2020
Book Page	9750/454

Lender

Name	NEXTMARK FCU
Type	Credit Union
Address	FAIRFAX, VA 22030

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	950 GIST RD, WESTMINSTER, MD 21157-5731
Document Number	0086020467
Book / Page	008602 / 000467
Instrument Date	Jan 30, 2017
Transaction Type	Mortgage
Record Updated	Mar 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 867 WESTMINSTER MD 211580867, WESTMINSTER, MD 21158-0867

Mortgage

Document Number	0086020467
Date	Feb 2, 2017
Book Page	008602/000467

Lender

Name	SERVICE FIRST MTG
Type	Mortgage Company
Address	2850 QUARRY LAKE DR # 302, BALTIMORE, MD 21209-3875

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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	$10,265.00 (+5.07%) Homeowner's exemption	$939,700 (+5.62%) Land $166,000 Building $773,700	$939,700 (-) Land $166,000 Building $773,700
2025	$9,770.00 (+9.5%) Homeowner's exemption	$889,667 (+12.67%)	$939,700 (+19.01%) Land $166,000 Building $773,700
2023	$8,922.00 Homeowner's exemption	$789,600 Land $166,000 Building $623,600	$789,600 Land $166,000 Building $623,600

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
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2010 · other causes

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 86 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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