1220 Chadwick Dr, Westminster, MD 21158 Property Records

Carroll County property record for 1220 Chadwick Dr, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 5,363 sqft · built 2004
Lot Size	2.42 acres (105,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$805,000 (Aug 2020)
Tax Bill	$10,594 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Mar 2019 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`07-109164`

Property Details

APN / Parcel Number

Primary APN	`07-109164`
Alternative APNs	`7109164` `109164`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,363 sqft Total Area
Basement Area	1,160 sqft
Finished Basement	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	105,764 sqft (2.42 acres)
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	44 sqft
Deck Area	613 sqft
Patio Area	730 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	109164
Street Address	1220 CHADWICK DR
City	WESTMINSTER
State	MD
Zip	21158-6124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 1C - 2.4282 ACS 1220 CHADWICK DR 30-191 CHADWICK COURT
Legal Subdivision	CHADWICK COURT
Legal Lot Number	1C
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1004
Census Tract	507703

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Mar 22, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST HERITAGE MORTGAGE LLC
Dec 11, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST HERITAGE MORTGAGE LLC
Mar 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE
Aug 26, 2020	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jul 16, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST HERITAGE MTG
Nov 27, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST HERITAGE MTG
Feb 14, 2020	Quit Claim Deed, Transfer ASSOCIATES TITLE, ASSOCIATES TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2020 · Amount on Record
Deed Sale	Aug 26, 2020 · Amount on Record
Prior Sale	Jun 29, 2016 · Amount on Record
Deed Book / Page	9821 / 191
Prior Transfer Date	May 26, 2016
Prior Transfer Doc	0095700154
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108260191
Date	Jun 29, 2022
Book Page	10826/191

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0092470275
Date	Mar 22, 2019
Book Page	9247/0275

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095060447
Date	Dec 11, 2019
Book Page	9506/0447

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ADVANCED TITLE COMPANY INC, ADVANCED TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0107200401
Date	Mar 25, 2022
Book Page	10720/401

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 26, 2020
Property Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Document Number	0098210191
Book / Page	9821 / 191
Map Reference	MB 30 PG 191
Instrument Date	Aug 11, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MASTERS TITLE & ESCROW

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124

Mortgage

Document Number	0009821198
Date	Aug 26, 2020
Instrument	9821/198

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Mortgage

Document Number	0098210213
Date	Aug 26, 2020
Book Page	9821/213

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 25, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Document Number	0096040040
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1220 CHADWICK DR WESTMINSTER MD 211586124, WESTMINSTER, MD 21158-6124

Mortgage

Document Number	0096040040
Date	Jul 16, 2020
Book Page	009604/000040

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Document Number	0096040040
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1220 CHADWICK DR WESTMINSTER MD 211586124, WESTMINSTER, MD 21158-6124

Mortgage

Document Number	0096040040
Date	Mar 19, 2020
Book Page	009604/000040

Lender

Name	FIRST HERITAGE MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 14, 2020
Property Address	1220 CHADWICK DR, WESTMINSTER, MD 21158-6124
Document Number	0095700154
Book / Page	009570 / 000154
Instrument Date	May 26, 2016
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	ASSOCIATES TITLE, ASSOCIATES TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1220 CHADWICK DR WESTMINSTER MD 211586124, WESTMINSTER, MD 21158-6124

Tax Assessment & Valuation

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	$10,594.00 (+5.23%)	$940,700 (+5.26%) Land $144,200 Building $796,500	$940,700 (-) Land $144,200 Building $796,500
2025	$10,067.00 (+11.42%)	$893,667 (+11.76%)	$940,700 (+17.65%) Land $144,200 Building $796,500
2023	$9,035.00	$799,600 Land $144,200 Building $655,400	$799,600 Land $144,200 Building $655,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Ting Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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