1220 Cape Sable Dr, Westminster, MD 21158 Property Records

Carroll County property record for 1220 Cape Sable Dr, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,788 sqft · built 1992
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on File
Last Sale	$329,000 (Sep 2014)
Tax Bill	$3,791 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-112009`

Property Details

APN / Parcel Number

Primary APN	`07-112009`
Alternative APNs	`7112009` `112009`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,788 sqft Total Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Lot Area	54,886 sqft (1.26 acres)
Porch	Slab
Porch Area	100 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	112009
Street Address	1220 CAPE SABLE DR
City	WESTMINSTER
State	MD
Zip	21158-3606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 17 - 1.26 ACS CAPE SABLE DR PLT 31-184 CAROLLYN MANOR SC 7 PL C
Legal Subdivision	CARROLYN MANOR C SEC 07
Legal Lot Number	17
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2013
Census Tract	507500

Owner

1220 Cape Sable Dr is owned and occupied by two individuals who bought it in September 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	1220 CAPE SABLE DR, WESTMINSTER, MD 21158-3606
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 6, 2020	Deed of Trust, Mortgage · Conventional with PMI FEDERAL SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2014 · Amount on File
Deed Sale	Sep 3, 2014 · Amount on File
Prior Sale	Mar 23, 2004 · Amount on File
Deed Book / Page	7752 / 486
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1220 CAPE SABLE DR, WESTMINSTER, MD 21158-3606
Transaction Type	Mortgage
Record Updated	Nov 21, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 CAPE SABLE DR, WESTMINSTER, MD 21158-3606

Mortgage

Document Number	0116080146
Date	Nov 5, 2025
Book Page	11608/146

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 29, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1220 CAPE SABLE DR, WESTMINSTER, MD 21158-3606
Document Number	0096400033
Instrument Date	Apr 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 CAPE SABLE DR WESTMINSTER MD 211583606, WESTMINSTER, MD 21158-3606

Mortgage

Document Number	0096400033
Date	Apr 20, 2020
Book Page	009640/000033

Lender

Name	FEDERAL SVGS BK
Type	Federal Savings Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1220 Cape Sable Dr was $3,791 with a homeowner's exemption, up 5.2% 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	$3,791.00 (+5.16%) Homeowner's exemption	$347,900 Land $132,600 Building $215,300	$347,900 Land $132,600 Building $215,300
2025	$3,605.00 Homeowner's exemption
2023	$3,131.00	$277,100 Land $132,600 Building $144,500	$277,100 Land $132,600 Building $144,500

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

Flood

FEMA maps place 1220 Cape Sable Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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	2 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Feb 1979 · tidal / storm surge

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 1220 Cape Sable Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Nearby Properties on Cape Sable Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures