121 John St, Westminster, MD 21157 Property Records

Carroll County property record for 121 John St, Westminster, MD 21157

Property Summary

Property Type	Warehouse, Storage
Details	6,460 sqft · built 1938
Lot Size	0.456 acres (19,863 sqft)
Owner	Company Name on Record
Tax Bill	$6,055 (2025)
Deeds & Mortgages	May 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-031270`

Property Details

APN / Parcel Number

Primary APN	`07-031270`
Alternative APNs	`7031270` `031270`

Interior

Units	2 Units
Stories	1 Story
Building Area	6,460 sqft Total Area
1st Floor Area	9,642 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Metal
Construction Type	Masonry / Concrete Block
Fire Resistance	Special
Roof Type	Gable
Roof Material	Metal
Lot Area	19,863 sqft (0.456 acres)
Canopy	3,032 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	031270
Street Address	121 JOHN ST
City	WESTMINSTER
State	MD
Zip	21157-4996
Property Category	Industrial
Property Type	Industrial > Warehouse, Storage
Local Zoning Code	I-1
Legal Description	LT -19863 SF SE/S CARROLL ST N/S JOHN WESTMINSTER
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3037
Census Tract	507601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Carroll County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	6606 W BROAD ST, RICHMOND, VA 23230-1702
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Commercial Mortgage ACF FINCO LLP
Sep 13, 2018	Deed of Trust, Mortgage CRYSTAL FINANCIAL LLC
Dec 11, 2018	Deed of Trust, Mortgage · Commercial Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	121 JOHN ST, WESTMINSTER, MD 21157-4996
Transaction Type	Mortgage
Record Updated	Aug 22, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102700393
Date	May 17, 2021
Book Page	10270/393

Lender

Name	ACF FINCO LLP
Type	Non-Lending Institution
Address	ATLANTA, GA 30326

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Index	5-Year TN

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	121 JOHN ST, WESTMINSTER, MD 21157-4996
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091180267
Date	Sep 13, 2018
Book Page	9118/0267

Lender

Name	CRYSTAL FINANCIAL LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02110

Agreement

Amount	Amount Recorded

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	121 JOHN ST, WESTMINSTER, MD 21157-4996
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091830248
Date	Dec 11, 2018
Book Page	9183/0248

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60603

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$540,700 (-) Land $198,900 Building $341,800	$540,700 (-) Land $198,900 Building $341,800
2025	$6,055.00 (-0.88%)
2023	$6,109.00	$540,700 Land $198,900 Building $341,800	$540,700 Land $198,900 Building $341,800

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

Flood

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1990–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996 · river or lake flooding

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

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	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 292 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
AT&T Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone, Verizon.

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