Carroll County property record for 970 Oak Tree Rd, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 4.5 Baths |
| Year Built | Built 2006 |
| Square Footage | 4,286 sqft Total Area |
| Lot Size | 89,734 sqft (2.06 acres) |
| Garage | Attached, 1,015 sqft |
| Pool | 880 sqft |
| Last Sale | $140,000 (2019) |
| Tax Bill | $10,695.00 (2025) |
| Primary APN | 09-034374 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 4,286 sqft Total Area |
| Basement Area | 674 sqft Basement |
| Finished Basement | 674 sqft Finished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 89,734 sqft (2.06 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 1,015 sqft Garage |
| Pool Area | 880 sqft Pool |
|---|---|
| Shed | 1 Shed |
| Shed Area | 480 sqft Shed |
| Porch Area | 834 sqft Porch |
| Bath House | 240 sqft Bath House |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 034374 |
|---|---|
| Street Address | 970 OAK TREE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-8216 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT - 2.06 ACS 970 OAK TREE RD |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 9, FRANKLIN |
| Census Blockgroup | 2 |
| Census Block | 2017 |
| Census Tract | 509001 |
Source: Carroll County records · APN 09-034374
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 | 1198 THOMPSON CIR, FORT EUSTIS, VA 23604-1407 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 29, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage RIVER CITY MORTGAGE LLC |
| Oct 24, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage RIVER CITY MORTGAGE LLC |
| Jul 09, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage RIVER CITY MORTGAGE LLC |
| May 08, 2018 | Deed, Transfer · Veterans Administration Mortgage MCLEAN MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 31, 2019 · Amount on Record |
| Deed Sale | Jan 31, 2019 · Amount on Record |
| Prior Sale | May 08, 2018 · Amount on Record |
| Deed Book / Page | 9215 / 286 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 970 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0097800116 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 9780/116 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Address | CINCINNATI, OH 45242 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 970 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | OLD REPUBLIC TITLE VO |
| Name | Verified Name |
|---|
| Document Number | 0094570247 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 9457/0247 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Address | CINCINNATI, OH 45212 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 970 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE COMPAN |
| Name | Verified Name |
|---|
| Document Number | 0103610225 |
|---|---|
| Date | Jul 09, 2021 |
| Book Page | 10361/225 |
| Name | RIVER CITY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45242 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 08, 2018 |
| Property Address | 970 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Document Number | 0090060495 |
| Book / Page | 9006 / 0495 |
| Instrument Date | Apr 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | OLDE TOWNE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 970 OAK TREE RD, WESTMINSTER, MD 21157-8216 |
| Document Number | 0009006502 |
|---|---|
| Date | May 08, 2018 |
| Instrument | 9006/502 |
| Name | MCLEAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2048 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,025,867 (+20.5%) | $1,102,000 (+26.14%) Land $210,600 Building $891,400 | |
| 2025 | $10,695.00 (+11.17%) | ||
| 2023 | $9,620.00 | $851,333 | $873,600 Land $190,600 Building $683,000 |
970 Oak Tree Rd is in FEMA Zone 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 · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 7th percentile of exposed land nationally · 15th in Maryland |
|---|---|
| Wildfire Likelihood | Low — 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.
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