124 Main St, New Windsor, MD 21776 Property Records

Carroll County property record for 124 Main St, New Windsor, MD 21776

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,878 sqft · built 1905
Lot Size	0.22 acres (9,574 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jan 2023)
Tax Bill	$3,748 (2023)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-014453`

Property Details

APN / Parcel Number

Primary APN	`11-014453`
Alternative APN	`014453`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,878 sqft Total Area
Basement Area	976 sqft
Finished Basement	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,574 sqft (0.22 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	358 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	014453
Street Address	124 MAIN ST
City	NEW WINDSOR
State	MD
Zip	21776-9756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VILLA
Legal Description	LT - 9574 SF 124 MAIN STREET NEW WINDSOR
Legal Subdivision	NEW WINDSOR
Jurisdiction	CARROLL MD
Township / Civil Division	11, NEW WINDSOR
Census Block Group	1
Census Block	1040
Census Tract	511000

Historic Designation

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

Historic District	Within the New Windsor Historic District listed 1997 · 216 contributing resources · NRIS 97000925

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 September 8, 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	124 MAIN ST, NEW WINDSOR, MD 21776-9756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on Record
Deed Sale	Jan 4, 2023 · Amount on Record
Prior Sale	Aug 29, 2012 · Amount on Record
Deed Book / Page	10958 / 287
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 4, 2023
Property Address	124 MAIN ST, NEW WINDSOR, MD 21776-9756
Document Number	0109580287
Book / Page	10958 / 287
Instrument Date	Dec 28, 2022
Transaction Type	Transfer
Record Updated	Jan 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,850.00
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	124 MAIN ST, NEW WINDSOR, MD 21776-9756

Mortgage

Document Number	0109580293
Date	Jan 4, 2023
Instrument	10958-0293

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$361,767 (+13.61%)	$405,100 (-) Land $83,400 Building $321,700
2025		$318,433 (+18.22%)	$405,100 (+47.26%) Land $83,400 Building $321,700
2023	$3,748.00 Disabled Person's exemption Veteran's exemption	$269,367	$275,100 Land $76,300 Building $198,800

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1979–2018)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jul 2018 · 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	TOWN OF NEW WINDSOR serves 1,732 people · EPA ID MD0060008
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 265 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
AT&T Fixed Wireless	100 / 20