104 Pine Valley Ct, Westminster, MD 21157 Property Records

Carroll County property record for 104 Pine Valley Ct, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,280 sqft · built 1976
Lot Size	0.121 acres (5,270 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Dec 2023)
Tax Bill	$3,783 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-072511`

Property Details

APN / Parcel Number

Primary APN	`07-072511`
Alternative APNs	`7072511` `072511`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,280 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Townhouse
Exterior Material	Other
Roof Material	Composition Shingle
Lot Area	5,270 sqft (0.121 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	072511
Street Address	104 PINE VALLEY CT
City	WESTMINSTER
State	MD
Zip	21157-5342
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-100
Legal Description	LT 40 - 0.121 AC 104 PINE VALLEY CT 14-38 MIDDLEBROOKE SC 3
Legal Subdivision	MIDDLEBROOKE SEC 03
Legal Lot Number	40
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	4
Census Block	4000
Census Tract	507801

Owner

104 Pine Valley Ct, a townhouse, is owned and occupied by two individuals who bought it in December 2023.

Source: Carroll County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	104 PINE VALLEY CT, WESTMINSTER, MD 21157-5342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023 · Amount on File
Deed Sale	Dec 12, 2023 · Amount on File
Prior Sale	Jun 19, 1996 · Amount on File
Deed Book / Page	11162 / 247
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 12, 2023
Property Address	104 PINE VALLEY CT, WESTMINSTER, MD 21157-5342
Document Number	0111620247
Book / Page	11162 / 247
Map Reference	MB 14 FO 38
Instrument Date	Nov 30, 2023
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
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
Address	104 PINE VALLEY CT, WESTMINSTER, MD 21157-5342

Mortgage

Document Number	0111620254
Date	Dec 12, 2023
Instrument	11162-0254

Lender

Name	PEOPLES SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	7.5%
Max Rate At Change	9.5%
Index	1-Year CMT
Margin	3
Max Rate	13.5%

Tax Assessment & Valuation

The 2026 property tax bill for 104 Pine Valley Ct was $3,783 with a homeowner's exemption, up 6% from the year before.

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

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,783.00 (+6.03%) Homeowner's exemption	$261,000 Land $70,000 Building $191,000	$261,000 Land $70,000 Building $191,000
2025	$3,568.00 Homeowner's exemption
2023	$2,874.00 Homeowner's exemption	$170,100 Land $60,000 Building $110,100	$170,100 Land $60,000 Building $110,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Pine Valley Ct in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 104 Pine Valley Ct is low, with less than a 0.01% annual chance of wildfire.

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	None beyond ember reach

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 332 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