Carroll County property record for 1050 Cool Spring Dr, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 1993 |
| Square Footage | 2,904 sqft Total Area |
| Lot Size | 45,738 sqft (1.05 acres) |
| Garage | Attached, 484 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $468,000 (2017) |
| Tax Bill | $120.00 (2025) |
| Primary APN | 04-064682 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,904 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 45,738 sqft (1.05 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Deck Area | 381 sqft Deck |
| Porch Area | 216 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 064682 |
|---|---|
| Street Address | 1050 COOL SPRING DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7035 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 19- 1.054 AC 1050 COOL SPRING DR 34-1 TARA OAKS SEC 2 |
| Legal Subdivision | TARA OAKS SEC 02 |
| Legal Lot Number | 19 |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 4, WOOLERYS |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 504201 |
Source: Carroll County records · APN 04-064682
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 | Individual Name on File |
|---|---|
| Mailing Address | 1050 COOL SPRING DR, WESTMINSTER, MD 21157-7035 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Oct 19, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage LOANDEPOT.COM LLC |
| Oct 17, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage BAY CAPITAL MORTGAGE CORP |
| Feb 05, 2020 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Oct 22, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage BAY CAP MTG |
| Jan 09, 2017 | Deed, Transfer · Veterans Administration Mortgage SOUTHERN TRUST MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 09, 2017 · Amount on Record |
| Deed Sale | Jan 09, 2017 · Amount on Record |
| Prior Sale | Nov 04, 1992 · Amount on Record |
| Deed Doc Number | 20178575-0442 |
| Deed Book / Page | 8575 / 442 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 17, 2026 |
| Property Address | 1050 COOL SPRING DR, WESTMINSTER, MD 21157-7035 |
| Document Number | 1179000427 |
| Book / Page | 11794 / 427 |
| Instrument Date | Jun 09, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 1050 COOL SPRING DR, WESTMINSTER, MD 21157-7035 |
| Document Number | 1179000427, |
|---|---|
| Date | Jun 17, 2026 |
| Book Page | 11794/427 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jul 01, 2066 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1050 COOL SPRING DR, WESTMINSTER, MD 21157-7035 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2021 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | 0105100462 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 10510/462 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1050 COOL SPRING DR, WESTMINSTER, MD 21157-7035 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0094470228 |
|---|---|
| Date | Oct 17, 2019 |
| Book Page | 9447/0228 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1050 COOL SPRING DR, WESTMINSTER, MD 21157-7035 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0095600285 |
|---|---|
| Date | Feb 05, 2020 |
| Book Page | 9560/0285 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1050 COOL SPRING DR, WESTMINSTER, MD 21157-7035 |
| Document Number | 0099210271 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 1050 COOL SPRING DR WESTMINSTER MD 211577035, WESTMINSTER, MD 21157-7035 |
| Document Number | 0099210271 |
|---|---|
| Date | Oct 28, 2020 |
| Book Page | 009921/000271 |
| Name | BAY CAP MTG |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 09, 2017 |
| Property Address | 1050 COOL SPRING DR, WESTMINSTER, MD 21157-7035 |
| Document Number | 0085750442 |
| Book / Page | 8575 / 0442 |
| Map Reference | MB34 FO18 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 8575-0442 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | HOMELAND TITLE & ESCROW LTD |
| Amount | Amount Recorded |
|---|---|
| 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 | 1050 OAK DR # TARA, TARA, WESTMINSTER, MD 21158-3651 |
| Document Number | 85750449 |
|---|---|
| Date | Jan 09, 2017 |
| Instrument | 8575-0449 |
| Name | SOUTHERN TRUST MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2047 |
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 | $586,467 (+4.52%) | $637,200 (+13.56%) Land $200,500 Building $436,700 | |
| 2025 | $120.00 (-97.73%) | $561,100 (+20.04%) Land $180,500 Building $380,600 | $561,100 (-) Land $180,500 Building $380,600 |
| 2023 | $5,281.00 Disabled Person's exemption Veteran's exemption | $467,433 | $561,100 Land $180,500 Building $380,600 |
1050 Cool Spring Dr 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 20th percentile of exposed land nationally · 41st in Maryland |
|---|---|
| Wildfire Likelihood | Low — about 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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