Carroll County property record for 1305 Western Chapel Rd, New Windsor, MD 21776
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,120 sqft · built 1999 |
| Lot Size | 1.79 acres (77,972 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $589,000 (Aug 2005) |
| Tax Bill | $6,629 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Jul 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-116128 |
| Primary APN | 07-116128 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,120 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 77,972 sqft (1.79 acres) |
| Garage Type | Mixed |
| Garage Area | 2,098 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Area | 350 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 488 sqft |
| Patio Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 116128 |
|---|---|
| Street Address | 1305 WESTERN CHAPEL RD |
| City | NEW WINDSOR |
| State | MD |
| Zip | 21776-8813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT - 1.79 ACS 1305 WESTERN CHAPEL RD WARFIELDSBURG |
| Legal Subdivision | WARFIELDSBURG |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 507702 |
1305 Western Chapel Rd is owned and occupied by two individuals who bought it in August 2005.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1305 WESTERN CHAPEL RD, NEW WINDSOR, MD 21776-8813 |
| 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 |
|---|---|
| Mar 12, 2026 | Deed of Trust, Mortgage · Line of Credit POINT BREEZE CU |
| Jul 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK |
| Jan 11, 2017 | Deed of Trust, Mortgage · Line of Credit NEW WINDSOR ST BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2005 · Amount on File |
| Deed Sale | Aug 1, 2005 · Amount on File |
| Prior Sale | Sep 14, 1999 · Amount on File |
| Deed Document Number | 200550349 |
| Deed Book / Page | 4525 / 152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1305 WESTERN CHAPEL RD, NEW WINDSOR, MD 21776-8813 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0117070489 |
|---|---|
| Date | Mar 12, 2026 |
| Book Page | 11707/489 |
| Name | POINT BREEZE CU |
|---|---|
| Type | Credit Union |
| Address | HUNT VALLEY, MD 21031 |
| 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 | 1305 WESTERN CHAPEL RD, NEW WINDSOR, MD 21776-8813 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2023 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0110760267 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | 11076/267 |
| Name | ACNB BANK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1305 WESTERN CHAPEL RD, NEW WINDSOR, MD 21776-8813 |
| Document Number | 0085910467 |
| Book / Page | 008591 / 000467 |
| Instrument Date | Jan 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1305 WESTERN CHAPEL RD NEW WINDSOR MD 217768813, NEW WINDSOR, MD 21776-8813 |
| Document Number | 0085910467 |
|---|---|
| Date | Jan 23, 2017 |
| Book Page | 008591/000467 |
| Name | NEW WINDSOR ST BK |
|---|---|
| Type | Bank |
| Address | TANEYTOWN, MD 21787 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 1305 Western Chapel Rd was $6,629 with a homeowner's exemption, up 5.1% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,629.00 (+5.14%) Homeowner's exemption | $633,800 Land $137,900 Building $495,900 | $633,800 Land $137,900 Building $495,900 |
| 2025 | $6,305.00 Homeowner's exemption | ||
| 2023 | $5,810.00 Homeowner's exemption | $514,200 Land $137,900 Building $376,300 | $514,200 Land $137,900 Building $376,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1305 Western Chapel Rd in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 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 risk around 1305 Western Chapel Rd 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: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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