17 Charles St, Westminster, MD 21157 Property Records

Carroll County property record for 17 Charles St, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	1 ba · 1,080 sqft · built 1990
Lot Size	0.063 acres (2,744 sqft)
Owner	Individual Name on Record
Last Sale	$82,000 (May 1999)
Tax Bill	$2,727 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Oct 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`07-110200`

Property Details

APN / Parcel Number

Primary APN	`07-110200`
Alternative APNs	`7110200` `110200`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,080 sqft Total Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,744 sqft (0.063 acres)
Deck Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	110200
Street Address	17 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	LOT 4A 0.063 AC CHARLES STREET PLAT 32-22 BERNDALE AMND
Legal Subdivision	BERNDALE AMD
Legal Lot Number	4A
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	17 CHARLES ST, WESTMINSTER, MD 21157-5239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2018	Deed of Trust, Mortgage · FHA Mortgage SECRETARY/THE US DEPT/HSNG & U
Oct 23, 2018	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 1999 · Amount on Record
Deed Sale	May 25, 1999 · Amount on Record
Prior Sale	Aug 6, 1998 · Amount on Record
Deed Document Number	1999984671
Deed Book / Page	2208 / 581
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	17 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0091880290
Instrument Date	Nov 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CHARLES ST WESTMINSTER MD 211575239, WESTMINSTER, MD 21157-5239

Mortgage

Document Number	0091880290
Date	Dec 17, 2018
Book Page	009188/000290

Lender

Name	SECRETARY/THE US DEPT/HSNG & U
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2048

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARROLL MD
Property Address	17 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0091940358
Instrument Date	Oct 23, 2018
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CHARLES ST WESTMINSTER MD 211575239, WESTMINSTER, MD 21157-5239

Mortgage

Document Number	0091940358
Date	Dec 27, 2018
Book Page	009194/000358

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2048

Interest

Rate	3.37%

Tax Assessment & Valuation

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	$2,727.00 (+5.9%) Homeowner's exemption	$175,100 (+28.18%) Land $60,000 Building $115,100	$175,100 (+28.18%) Land $60,000 Building $115,100
2025	$2,575.00 (+11.57%) Homeowner's exemption
2023	$2,308.00 Homeowner's exemption	$136,600 Land $49,000 Building $87,600	$136,600 Land $49,000 Building $87,600

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

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

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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