31 Union St, Westminster, MD 21157 Property Records

Carroll County property record for 31 Union St, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	1 ba · 816 sqft · built 1890
Lot Size	0.066 acres (2,865 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Apr 2020)
Tax Bill	$2,712 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-069006`

Property Details

APN / Parcel Number

Primary APN	`07-069006`
Alternative APNs	`7069006` `069006`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	816 sqft Total Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Townhouse
Construction Type	Frame
Roof Material	Metal
Lot Area	2,865 sqft (0.066 acres)
Porch	Porch
Porch Area	96 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	069006
Street Address	31 UNION ST
City	WESTMINSTER
State	MD
Zip	21157-4507
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-750
Legal Description	LT 3A - 2865 SF 31 UNION ST 46-284/286 PROPERTY OF HOPE INC
Legal Subdivision	RESUB PLAT 3 PROPERTIES OF HOPE INC
Legal Lot Number	3A
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3010
Census Tract	507500

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

31 Union St, a townhouse, is owned and occupied by an individual who bought it in April 2020.

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	31 UNION ST, WESTMINSTER, MD 21157-4507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Apr 6, 2020	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS
Jun 24, 2019	Grant Deed, Transfer LAKESIDE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2020 · Amount on File
Deed Sale	Apr 6, 2020 · Amount on File
Prior Sale	Jun 24, 2019 · Amount on File
Deed Book / Page	9622 / 103
Prior Transfer Date	Apr 15, 2013
Prior Transfer Doc	0073430421
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	31 UNION ST, WESTMINSTER, MD 21157-4507
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MADISON SETTLEMENT SERVICES HAGERS, MADISON STLMT SVCS HAGERSTOW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106510500
Date	Jan 27, 2022
Book Page	10651/500

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 6, 2020
Property Address	31 UNION ST, WESTMINSTER, MD 21157-4507
Document Number	0096220103
Book / Page	009622 / 000103
Instrument Date	Mar 23, 2020
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$142.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	31 UNION ST WESTMINSTER MD 211574507, WESTMINSTER, MD 21157-4507

Mortgage

Document Number	96220109
Date	Apr 6, 2020
Book Page	009622/000109

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2050

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 24, 2019
Property Address	31 UNION ST, WESTMINSTER, MD 21157-4507
Document Number	0093270380
Book / Page	009327 / 000380
Instrument Date	Jun 19, 2019
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	LAKESIDE TITLE

Transaction

Amount	Amount on Record
Tax	$137.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	719 WINCHESTER DR WESTMINSTER MD 211575732, WESTMINSTER, MD 21157-5732

Tax Assessment & Valuation

The 2026 property tax bill for 31 Union St was $2,712 with a homeowner's exemption, up 5.7% 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	$2,712.00 (+5.69%) Homeowner's exemption	$170,100 Land $60,000 Building $110,100	$170,100 Land $60,000 Building $110,100
2025	$2,566.00 Homeowner's exemption
2023	$2,352.00 Homeowner's exemption	$139,200 Land $50,000 Building $89,200	$139,200 Land $50,000 Building $89,200

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

Flood

FEMA maps place 31 Union 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

The area around 31 Union St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 452 locations within half a mile, as of December 31, 2025

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

May also be available: Quantum Internet & Telephone, Verizon.

Nearby Properties on Union St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures