Carroll County property record for 13 Monroe St, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,056 sqft · built 1960 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $197,000 (Jul 2006) |
| Tax Bill | $3,497 (2026) |
| Deeds & Mortgages | Apr 2023 Mortgage Oct 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-065280 |
| Primary APN | 07-065280 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,056 sqft Total Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,920 sqft (0.182 acres) |
| Lot Dimensions | 132 ft deep x 60 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 92 sqft |
| Shed | 1 Shed |
| Shed Area | 150 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 065280 |
|---|---|
| Street Address | 13 MONROE ST |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-750 |
| Legal Description | LT - 7920 SF 13 MONROE ST WESTMINSTER |
| Legal Subdivision | MONROE ST WESTMINSTER |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 507601 |
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.
13 Monroe St is owned and occupied by an individual who bought it in July 2006.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13 MONROE ST, WESTMINSTER, MD 21157-4511 |
| 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.
| Date | Document |
|---|---|
| Apr 28, 2023 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Oct 4, 2021 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS TRADERS TRUST CO |
| Jan 27, 2020 | Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP |
| Aug 18, 2018 | Loan Modification, Mortgage · Conventional Mortgage MANUFACTURERS & TRADERS TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2006 · Amount on File |
| Deed Sale | Jul 24, 2006 · Amount on File |
| Prior Sale | Dec 6, 2005 · Amount on File |
| Deed Document Number | 200660184 |
| Deed Book / Page | 4938 / 598 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 13 MONROE ST, WESTMINSTER, MD 21157-4511 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Title Company | EQUITY SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 13 MONROE ST, WESTMINSTER, MD 21157-4511 |
| Document Number | 0110200265 |
|---|---|
| Date | Apr 28, 2023 |
| Book Page | 11020/265 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2033 |
| Change Frequency | Monthly |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.6% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 13 MONROE ST, WESTMINSTER, MD 21157-4511 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0104800042 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 10480/42 |
| Name | MANUFACTURERS TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 13 MONROE ST, WESTMINSTER, MD 21157-4511 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RESEARCH TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0095490192 |
|---|---|
| Date | Jan 27, 2020 |
| Book Page | 9549/0192 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WESTMINSTER, MD 21157 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 13 MONROE ST, WESTMINSTER, MD 21157-4511 |
| Document Number | 0091130264 |
| Instrument Date | Aug 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2018 |
| Name | Verified Name |
|---|---|
| Address | 13 MONROE ST WESTMINSTER MD 211574511, WESTMINSTER, MD 21157-4511 |
| Document Number | 0091130264 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 009113/000264 |
| Name | MANUFACTURERS & TRADERS TR |
|---|---|
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 13 Monroe St was $3,497, up 6.6% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,497.00 (+6.62%) | $208,200 Land $72,200 Building $136,000 | $208,200 Land $72,200 Building $136,000 |
| 2025 | $3,280.00 | ||
| 2023 | $2,862.00 | $169,400 Land $72,200 Building $97,200 | $169,400 Land $72,200 Building $97,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Monroe St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1990.
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 risk around 13 Monroe St is low, with less than 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 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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