15 Charles St, Westminster, MD 21157 Property Records

Carroll County property record for 15 Charles St, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	2 ba · 1,080 sqft · built 1990
Lot Size	0.063 acres (2,736 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Jun 2026)
Tax Bill	$3,511 (2026)
Deeds & Mortgages	Jun 2026 Sale Oct 2025 Foreclosure + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-110197`

Property Details

APN / Parcel Number

Primary APN	`07-110197`
Alternative APNs	`7110197` `110197`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,080 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,736 sqft (0.063 acres)
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	110197
Street Address	15 CHARLES ST
City	WESTMINSTER
State	MD
Zip	21157-5239
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PD-9
Legal Description	LT 3A - 2736 SF 15 CHARLES ST 32-22 BERNDALE AMND
Legal Subdivision	AMENDED PLAT OF BERNDALE
Legal Lot Number	3A
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1013
Census Tract	507801

Historic Designation

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.

Owner

15 Charles St, a townhouse, is owned by an individual who bought it in June 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1419 CHAZADALE WAY, WESTMINSTER, MD 21157-6433
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed, Transfer JACQUIES TITLE
Oct 20, 2025	Trustee's Deed, Foreclosure JACQUIES TITLE GROUP
May 10, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Aug 13, 2021	Deed, Transfer · FHA Mortgage NATIONS LENDING CORP
Dec 28, 2018	Grant Deed, Transfer · Conventional with PMI FARMERS & MERCHANTS NAT'L BK
Oct 5, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Prior Sale	Oct 20, 2025 · Amount on File
Deed Book / Page	11783 / 437
Prior Transfer Date	Oct 10, 2025
Prior Transfer Doc	0115920070
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 8, 2026
Property Address	15 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	1178000437
Book / Page	11783 / 437
Instrument Date	May 27, 2026
Transaction Type	Transfer
Record Updated	Jun 16, 2026
Title Company	JACQUIES TITLE

Transaction

Amount	Amount on Record
Tax	$292,900.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1419 CHAZADALE WAY, WESTMINSTER, MD 21157-6433
Investor	Possibly a Property Investor

October 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 20, 2025
Property Address	15 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0115920070
Book / Page	11592 / 70
Map Reference	MB 32 FO 22
Instrument Date	Oct 10, 2025
Transaction Type	Foreclosure
Record Updated	Nov 7, 2025
Title Company	JACQUIES TITLE GROUP

Transaction

Amount	Amount on Record
Tax	$960.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 RESEARCH CT STE 340, 340, ROCKVILLE, MD 20850-6223

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	15 CHARLES ST, WESTMINSTER, MD 21157-5239
Transaction Type	Mortgage
Record Updated	May 22, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 CHARLES ST, WESTMINSTER, MD 21157-5239

Mortgage

Document Number	0112400226
Date	May 10, 2024
Book Page	11240/226

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23453

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	Sep 1, 2051

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 13, 2021
Property Address	15 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0104050288
Book / Page	10405 / 288
Map Reference	MB 32 FOP 22
Instrument Date	Aug 2, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
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	15 CHARLES ST, WESTMINSTER, MD 21157-5239

Mortgage

Document Number	0010405296
Date	Aug 13, 2021
Instrument	10405/296

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 28, 2018
Property Address	15 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0091950284
Book / Page	009195 / 000284
Instrument Date	Nov 21, 2018
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	699 SCOTSDALE RD WESTMINSTER MD 211577683, WESTMINSTER, MD 21157-7683

Mortgage

Document Number	91950288
Date	Dec 28, 2018
Book Page	009195/000288

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	UPPERCO, MD 21155

Agreement

Type	Conventional with PMI
Amount	Amount on Record

October 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 5, 2018
Property Address	15 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0091380213
Book / Page	009138 / 000213
Instrument Date	Apr 30, 2018
Transaction Type	Foreclosure
Record Updated	Oct 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$147.09
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

The 2026 property tax bill for 15 Charles St was $3,511, up 12.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,511.00 (+12.21%)	$209,000 (+12.2%) Land $60,000 Building $149,000	$209,000 (-) Land $60,000 Building $149,000
2025	$3,129.00	$186,267	$209,000 Land $60,000 Building $149,000
2023	$2,379.00	$140,800 Land $49,000 Building $91,800	$140,800 Land $49,000 Building $91,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 15 Charles St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 11, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 15 Charles 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 98% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Quantum Internet & Telephone Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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