Carroll County property record for 1606 Terrace Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,640 sqft · built 1976 |
| Lot Size | 1.23 acres (53,884 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Oct 2024) |
| Tax Bill | $4,645 (2026) |
| Deeds & Mortgages | Apr 2021 Line of Credit Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-014004 |
| Primary APN | 09-014004 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,640 sqft Total Area |
| Basement Area | 200 sqft |
| Finished Basement | 200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 53,884 sqft (1.23 acres) |
| Deck Area | 684 sqft |
|---|---|
| Patio Area | 312 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 014004 |
|---|---|
| Street Address | 1606 TERRACE DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-400 |
| Legal Description | LT 43 - 1.2374 AC 1606 TERRACE DR 14-7 SC WINFIELD HEIGHTS |
| Legal Subdivision | WINFIELD HEIGHTS SEC 06 |
| Legal Lot Number | 43 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 509001 |
1606 Terrace Dr is owned and occupied by two individuals who bought it in October 2024.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1606 TERRACE DR, WESTMINSTER, MD 21157-7928 |
| 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 29, 2021 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI COMMUNITY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 2024 · Amount on File |
| Deed Sale | Oct 30, 2024 · Amount on File |
| Prior Sale | Nov 24, 2014 · Amount on File |
| Deed Book / Page | 11355 / 115 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 1606 TERRACE DR, WESTMINSTER, MD 21157-7928 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0102390254 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 10239/254 |
| 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 | 1606 TERRACE DR, WESTMINSTER, MD 21157-7928 |
| Document Number | 0095940402 |
| Instrument Date | Mar 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2020 |
| Title Company | TERRAIN TITLE ESCROW COMPANY LLC, TERRAIN TITLE ESCROW CO LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1606 TERRACE DR WESTMINSTER MD 211577928, WESTMINSTER, MD 21157-7928 |
| Document Number | 0095940402 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 009594/000402 |
| Name | COMMUNITY MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT AIRY, MD 21771 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 9, 2050 |
The 2026 property tax bill for 1606 Terrace Dr was $4,645 with a homeowner's exemption, up 5.4% 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 | $4,645.00 (+5.42%) Homeowner's exemption | $431,500 | $474,900 Land $182,300 Building $292,600 |
| 2025 | $4,406.00 Homeowner's exemption | ||
| 2023 | $3,715.00 | $328,800 | $344,700 Land $182,300 Building $162,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1606 Terrace Dr 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 risk around 1606 Terrace Dr is low, with 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 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.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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