Carroll County property record for 38 Union St, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,200 sqft · built 1991 |
| Lot Size | 0.064 acres (2,771 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $102,500 (Apr 2003) |
| Tax Bill | $2,847 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-111215 |
| Primary APN | 07-111215 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,200 sqft Total Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,771 sqft (0.064 acres) |
| Porch | Slab |
| Deck Area | 80 sqft |
| Patio Area | 335 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 111215 |
|---|---|
| Street Address | 38 UNION ST |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-4508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-750 |
| Legal Description | LT - 2771 SQ FT UNION ST WESTMINSTER |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 507500 |
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.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 38 UNION ST, WESTMINSTER, MD 21157-4508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2003 · Amount on Record |
| Deed Sale | Apr 7, 2003 · Amount on Record |
| Prior Sale | Jun 22, 1989 · Amount on Record |
| Deed Document Number | 200324724 |
| Deed Book / Page | 3343 / 349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jul 14, 2026 |
| Property Address | 38 UNION ST, WESTMINSTER, MD 21157-4508 |
| Document Number | 1181000282 |
| Book / Page | 11810 / 282 |
| Instrument Date | Jun 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 38 UNION ST, WESTMINSTER, MD 21157-4508 |
| Document Number | 1181000282, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 11810/282 |
| Name | POINT BREEZE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 30, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,847.00 (+5.64%) Homeowner's exemption | $174,800 (+21.98%) Land $60,000 Building $114,800 | $174,800 (+21.98%) Land $60,000 Building $114,800 |
| 2025 | $2,695.00 (+11.32%) Homeowner's exemption | ||
| 2023 | $2,421.00 Homeowner's exemption | $143,300 Land $56,000 Building $87,300 | $143,300 Land $56,000 Building $87,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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