38 James St, Westminster, MD 21157 Property Records

Carroll County property record for 38 James St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,276 sqft · built 2000
Lot Size	0.17 acres (7,416 sqft)
Owner	Individual Name on Record
Last Sale	$376,000 (Oct 2024)
Tax Bill	$5,026 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-143761`

Property Details

APN / Parcel Number

Primary APN	`07-143761`
Alternative APNs	`7143761` `143761`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,276 sqft Total Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,416 sqft (0.17 acres)
Porch	Slab
Porch Area	68 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	143761
Street Address	38 JAMES ST
City	WESTMINSTER
State	MD
Zip	21157-4808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT 28 - 7416 SF 38 JAMES ST PLT 3-16 KEMPER & SHIPLEY ADD
Legal Subdivision	SHIPLEY ADD
Legal Lot Number	28
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3033
Census Tract	507601

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	38 JAMES ST, WESTMINSTER, MD 21157-4808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jan 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2024 · Amount on Record
Deed Sale	Oct 18, 2024 · Amount on Record
Prior Sale	Nov 21, 2002 · Amount on Record
Deed Book / Page	11345 / 363
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	38 JAMES ST, WESTMINSTER, MD 21157-4808
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103820020
Date	Jul 28, 2021
Book Page	10382/20

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	38 JAMES ST, WESTMINSTER, MD 21157-4808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CERTIFIED TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0092090482
Date	Jan 22, 2019
Book Page	9209/0482

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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	$5,026.00 (+8.74%)	$299,200 (+31.75%) Land $71,600 Building $227,600	$299,200 (+31.75%) Land $71,600 Building $227,600
2025	$4,622.00 (+20.46%)
2023	$3,837.00	$227,100 Land $71,600 Building $155,500	$227,100 Land $71,600 Building $155,500

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1990–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996 · river or lake flooding

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 93% of the US · lower than 85% 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 292 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.

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