320 E Main St, Westminster, MD 21157 Property Records

Carroll County property record for 320 E Main St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,118 sqft · built 1954
Lot Size	0.259 acres (11,280 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Dec 2023)
Tax Bill	$5,089 (2026)
Deeds & Mortgages	May 2023 Line of Credit Jun 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-062028`

Property Details

APN / Parcel Number

Primary APN	`07-062028`
Alternative APNs	`7062028` `062028`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,118 sqft Total Area
Basement Area	885 sqft
Finished Basement	885 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	11,280 sqft (0.259 acres)
Garage Type	Carport
Garage Area	210 sqft
Carport	Carport
Carport Area	210 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	70 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	062028
Street Address	320 E MAIN ST
City	WESTMINSTER
State	MD
Zip	21157-5518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT - 11280 SF 320 E MAIN ST WESTMINSTER
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1000
Census Tract	507802

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	320 E MAIN ST, WESTMINSTER, MD 21157-5518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 24, 2020	Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 6, 2020	Grant Deed, Transfer FLUX FUND ONE LLC
Dec 20, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	Dec 20, 2023 · Amount on Record
Deed Book / Page	11167 / 366
Prior Transfer Date	Dec 15, 2023
Prior Transfer Doc	0111670366
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	320 E MAIN ST, WESTMINSTER, MD 21157-5518
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E MAIN ST, WESTMINSTER, MD 21157-5518

Mortgage

Document Number	0110320422
Date	May 17, 2023
Book Page	11032/422

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 18, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 24, 2020
Property Address	320 E MAIN ST, WESTMINSTER, MD 21157-5518
Document Number	0097330105
Book / Page	9733 / 105
Instrument Date	Jun 19, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	DBA HOMESALE SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
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	320 E MAIN ST, WESTMINSTER, MD 21157-5518

Mortgage

Document Number	0009733111
Date	Jun 24, 2020
Instrument	9733/111

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 6, 2020
Property Address	320 E MAIN ST, WESTMINSTER, MD 21157-5518
Document Number	0095920431
Book / Page	009592 / 000431
Instrument Date	Feb 21, 2020
Transaction Type	Transfer
Record Updated	May 19, 2020
Title Company	APEX TITLE AND ESCROW CORPORATION, APEX TITLE & ESCROW CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$113.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	187 GREENVALE RD WESTMINSTER MD 211574467, WESTMINSTER, MD 21157-4467

Mortgage

Document Number	95920436
Date	Mar 6, 2020
Book Page	009592/000436

Lender

Name	FLUX FUND ONE LLC
Address	10594 EDWARDIAN LN, NEW MARKET, MD 21774-6229

Agreement

Amount	Amount Recorded

December 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 20, 2019
Property Address	320 E MAIN ST, WESTMINSTER, MD 21157-5518
Document Number	0095150236
Book / Page	009515 / 000236
Instrument Date	Aug 23, 2019
Transaction Type	Foreclosure
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$113.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E MAIN ST WESTMINSTER MD 211575518, WESTMINSTER, MD 21157-5518
Investor	Possibly a Property Investor

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	$5,089.00 (+6%) Homeowner's exemption	$334,600 (+41.12%) Land $76,500 Building $258,100	$334,600 (+41.12%) Land $76,500 Building $258,100
2025	$4,801.00 (+19.85%) Homeowner's exemption
2023	$4,006.00	$237,100 Land $76,500 Building $160,600	$237,100 Land $76,500 Building $160,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 325 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

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

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