321 John Owings Rd, Westminster, MD 21158 Property Records

Carroll County property record for 321 John Owings Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,142 sqft · built 1988
Lot Size	3.23 acres (140,699 sqft)
Owner	2 Individual Names on File
Last Sale	$526,000 (Dec 2021)
Tax Bill	$6,088 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-101635`

Property Details

APN / Parcel Number

Primary APN	`07-101635`
Alternative APNs	`7101635` `101635`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,142 sqft Total Area
Basement Area	750 sqft
Finished Basement	750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	140,699 sqft (3.23 acres)
Garage Type	Mixed
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	471 sqft
Gazebo	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	101635
Street Address	321 JOHN OWINGS RD
City	WESTMINSTER
State	MD
Zip	21158-3103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	3.237 ACRES 321 JOHN OWINGS ROAD E OF MT PLEASANT
Legal Subdivision	MT PLEASANT
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1004
Census Tract	507601

Owner

321 John Owings Rd is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	321 JOHN OWINGS RD, WESTMINSTER, MD 21158-3103
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
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 30, 2021	Special Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2021 · Amount on File
Deed Sale	Dec 30, 2021 · Amount on File
Prior Sale	Nov 15, 1999 · Amount on File
Deed Book / Page	10621 / 430
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	321 JOHN OWINGS RD, WESTMINSTER, MD 21158-3103
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099500427
Date	Nov 13, 2020
Book Page	9950/427

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	238 Months
Due	Sep 1, 2040

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 30, 2021
Property Address	321 JOHN OWINGS RD, WESTMINSTER, MD 21158-3103
Document Number	0106210430
Book / Page	10621 / 430
Instrument Date	Dec 23, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TITLE FORWARD

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	436 JOHN OWINGS RD, 436, WESTMINSTER, MD 21158-3132

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 JOHN OWINGS RD, WESTMINSTER, MD 21158-3103

Mortgage

Document Number	0010621438
Date	Dec 30, 2021
Instrument	10621/438

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 321 John Owings Rd was $6,088, up 14.8% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,088.00 (+14.8%)	$538,300 Land $151,100 Building $387,200	$538,300 Land $151,100 Building $387,200
2025	$5,303.00
2023	$3,705.00	$327,900 Land $151,100 Building $176,800	$327,900 Land $151,100 Building $176,800

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

Flood

FEMA maps place 321 John Owings Rd 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 321 John Owings Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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