19 Charles St, Westminster, MD 21157 Property Records

Carroll County property record for 19 Charles St, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	1 ba · 1,080 sqft · built 1990
Lot Size	0.125 acres (5,445 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Apr 2021)
Tax Bill	$3,343 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-110219`

Property Details

APN / Parcel Number

Primary APN	`07-110219`
Alternative APNs	`7110219` `110219`

Interior

Full Baths	1 Bath
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	5,445 sqft (0.125 acres)
Deck Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	110219
Street Address	19 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 5A - 0.125 AC 19 CHARLES ST 32-22 BERNDALE AMND
Legal Subdivision	BERNDALE
Legal Lot Number	5A
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

19 Charles St, a townhouse, is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	19 CHARLES ST, WESTMINSTER, MD 21157-5239
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Jan 17, 2017	Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2021 · Amount on File
Deed Sale	Apr 19, 2021 · Amount on File
Prior Sale	Jan 17, 2017 · Amount on File
Deed Book / Page	10218 / 100
Record Updated	Oct 29, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 19, 2021
Property Address	19 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0102180100
Book / Page	10218 / 100
Map Reference	MB 32 FO22
Instrument Date	Mar 29, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	HIGHLAND TITLE AND ESCROW LLC, HIGHLAND TITLE & ESCROW

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 in Severalty
Address	19 CHARLES ST, WESTMINSTER, MD 21157-5239

Mortgage

Document Number	0010218107
Date	Apr 19, 2021
Instrument	10218/107

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 17, 2017
Property Address	19 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0085840166
Book / Page	8584 / 0166
Map Reference	MB32 FO22
Instrument Date	Nov 29, 2016
Instrument	8584-0166
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 CHARLES ST, WESTMINSTER, MD 21157-5239

Mortgage

Document Number	85840172
Date	Jan 17, 2017
Instrument	8584-0172

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 19 Charles St was $3,343, up 6.5% 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	$3,343.00 (+6.46%)	$199,000 Land $60,000 Building $139,000	$199,000 Land $60,000 Building $139,000
2025	$3,140.00
2023	$2,749.00	$162,700 Land $50,000 Building $112,700	$162,700 Land $50,000 Building $112,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 19 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 19 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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