Carroll County property record for 964 Oak Tree Rd, Westminster, MD 21157 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 3,970 sqft · built 2019 |
| Lot Size | 1.38 acres (60,287 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,145,000 (Nov 2023) |
| Tax Bill | $8,530 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-034382 |
| Primary APN | 09-034382 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,970 sqft Total Area |
| Basement Area | 1,700 sqft |
| Finished Basement | 1,700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 60,287 sqft (1.38 acres) |
| Garage Type | Mixed |
| Garage Area | 1,352 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 338 sqft |
| Patio Area | 176 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 034382 |
|---|---|
| Street Address | 964 OAK TREE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-8216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT - 1.3843 ACS 964 OAK TREE RD WESTMINSTER |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 509001 |
Source: Carroll County records · APN 09-034382
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 Individual Names on File |
|---|---|
| Mailing Address | 964 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Apr 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 26, 2020 | Deed of Trust, Mortgage FIRST NAT'L BK/PA |
| Jan 31, 2019 | Grant Deed, Transfer FIRST NAT'L BK/PA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2023 · Amount on Record |
| Deed Sale | Nov 16, 2023 · Amount on Record |
| Deed Book / Page | 11148 / 299 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Nov 16, 2023 |
| Property Address | 964 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Document Number | 0111480299 |
| Book / Page | 11148 / 299 |
| Instrument Date | Nov 13, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2023 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,725.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 964 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Document Number | 0111480307 |
|---|---|
| Date | Nov 16, 2023 |
| Instrument | 11148-0307 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 01, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 12.3% |
| Index | 1-Year CMT |
| Max Rate | 12.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 964 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0102370021 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 10237/21 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 964 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Document Number | 0096260212 |
| Instrument Date | Mar 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2020 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 964 OAK TREE RD WESTMINSTER MD 211578216, WESTMINSTER, MD 21157-8216 |
| Document Number | 0096260212 |
|---|---|
| Date | Apr 08, 2020 |
| Book Page | 009626/000212 |
| Name | FIRST NAT'L BK/PA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 07, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 31, 2019 |
| Property Address | 964 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Document Number | 0092150286 |
| Book / Page | 009215 / 000286 |
| Instrument Date | Jan 29, 2019 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2019 |
| Title Company | REAL ESTATE SETTLEMENTS ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | OAK TREE RD WESTMINSTER MD 21157, WESTMINSTER, MD 21157 |
| Document Number | 92150292 |
|---|---|
| Date | Jan 31, 2019 |
| Book Page | 009215/000292 |
| Name | FIRST NAT'L BK/PA |
|---|---|
| Type | Bank |
| Address | HERMITAGE, PA 16148 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 30, 2049 |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $929,600 (+22.9%) | $1,102,800 (-) Land $203,800 Building $899,000 | |
| 2025 | $8,530.00 (+38.9%) | $756,400 (+39.18%) | $1,102,800 (+89.09%) Land $203,800 Building $899,000 |
| 2023 | $6,141.00 | $543,467 | $583,200 Land $183,800 Building $399,400 |
Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 7% of the US · above 15% of Maryland |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 19 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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