Carroll County property record for 97 Ridge Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,901 sqft · built 1990 |
| Lot Size | 1.39 acres (60,679 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $372,000 (Dec 2015) |
| Tax Bill | $5,351 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-102771 |
| Primary APN | 07-102771 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,901 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 60,679 sqft (1.39 acres) |
| Porch | Slab |
| Porch Area | 100 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 102771 |
|---|---|
| Street Address | 97 RIDGE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-4457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-200 |
| Legal Description | LT - 1.3933 ACS 97 RIDGE RD WESTMINSTER |
| Legal Subdivision | WESTMINSTER |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 507702 |
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 | 97 RIDGE RD, WESTMINSTER, MD 21157-4457 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC |
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2015 · Amount on Record |
| Deed Sale | Dec 7, 2015 · Amount on Record |
| Deed Book / Page | 8169 / 351 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 97 RIDGE RD, WESTMINSTER, MD 21157-4457 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 97 RIDGE RD, WESTMINSTER, MD 21157-4457 |
| Document Number | 0105230381 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 10523/381 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 97 RIDGE RD, WESTMINSTER, MD 21157-4457 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0096920008 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 9692/8 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,351.00 (+5.79%) | $472,500 (+19.95%) Land $143,900 Building $328,600 | $472,500 (+19.95%) Land $143,900 Building $328,600 |
| 2025 | $5,058.00 (+13.64%) | ||
| 2023 | $4,451.00 | $393,900 Land $143,900 Building $250,000 | $393,900 Land $143,900 Building $250,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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