108 Garden Way, Westminster, MD 21157 Property Records

Carroll County property record for 108 Garden Way, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,136 sqft · built 1992
Lot Size	0.375 acres (16,335 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Feb 2026)
Tax Bill	$4,863 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-113137`

Property Details

APN / Parcel Number

Primary APN	`07-113137`
Alternative APNs	`7113137` `113137`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,136 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,335 sqft (0.375 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	113137
Street Address	108 GARDEN WAY
City	WESTMINSTER
State	MD
Zip	21157-2902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 87A- 16335 SF (0. 108 GARDEN WAY PLT 33-36 EDEN FARMS AMND
Legal Subdivision	EDEN FARMS
Legal Lot Number	87A
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2013
Census Tract	507601

Owner

108 Garden Way is owned and occupied by two individuals who bought it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 GARDEN WAY, WESTMINSTER, MD 21157-2902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Jun 21, 2022	Deed, Transfer · Conventional Mortgage SWBC MORTGAGE CORP
Jun 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2026 · Amount on File
Deed Sale	Feb 19, 2026 · Amount on File
Prior Sale	Jun 21, 2022 · Amount on File
Deed Book / Page	11690 / 241
Record Updated	Oct 29, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 19, 2026
Property Address	108 GARDEN WAY, WESTMINSTER, MD 21157-2902
Document Number	0116900241
Book / Page	11690 / 241
Map Reference	LB 33 FO 36
Instrument Date	Jan 7, 2026
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	DEFINITIVE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
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	108 GARDEN WAY, WESTMINSTER, MD 21157-2902

Mortgage

Document Number	0011690249
Date	Feb 19, 2026
Instrument	11690/249

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 21, 2022
Property Address	108 GARDEN WAY, WESTMINSTER, MD 21157-2902
Document Number	0108110443
Book / Page	10811 / 443
Map Reference	LB 33 FO 36
Instrument Date	Jun 10, 2022
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 GARDEN WAY, WESTMINSTER, MD 21157-2902

Mortgage

Document Number	0108110450
Date	Jun 21, 2022
Instrument	10811-0450

Lender

Name	SWBC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	108 GARDEN WAY, WESTMINSTER, MD 21157-2902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090400001
Date	Jun 13, 2018
Book Page	9040/0001

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 108 Garden Way was $4,863 with a homeowner's exemption, up 6.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,863.00 (+6.41%) Homeowner's exemption	$434,300 (+6.41%) Land $125,300 Building $309,000	$434,300 (-) Land $125,300 Building $309,000
2025	$4,570.00	$408,133	$434,300 Land $125,300 Building $309,000
2023	$4,020.00	$355,800 Land $125,300 Building $230,500	$355,800 Land $125,300 Building $230,500

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

Flood

FEMA maps place 108 Garden Way 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 108 Garden Way is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

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 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Ting.

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