385 Kellys Ct, Westminster, MD 21157 Property Records

Carroll County property record for 385 Kellys Ct, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,226 sqft · built 1987
Lot Size	0.602 acres (26,223 sqft)
Owner	2 Individual Names on File
Last Sale	$167,000 (Oct 1997)
Tax Bill	$4,151 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-092725`

Property Details

APN / Parcel Number

Primary APN	`07-092725`
Alternative APNs	`7092725` `092725`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,226 sqft Total Area
Utility Area	242 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,223 sqft (0.602 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	260 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	092725
Street Address	385 KELLYS CT
City	WESTMINSTER
State	MD
Zip	21157-6343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 7 - 0.6026 AC 385 KELLYS COURT 28-19 P RESURVEY KELLYS DELIGHT
Legal Subdivision	KELLYS DELIGHT A
Legal Lot Number	7
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3014
Census Tract	507602

Owner

Source: Carroll County assessment roll, as of August 5, 2025

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 File
Mailing Address	385 KELLYS CT, WESTMINSTER, MD 21157-6343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2017	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND
Jun 12, 2020	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
Oct 28, 2019	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 1997 · Amount on Record
Deed Sale	Oct 24, 1997 · Amount on Record
Prior Sale	Oct 1, 1987 · Amount on Record
Deed Document Number	19971547
Deed Book / Page	1965 / 508
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	385 KELLYS CT, WESTMINSTER, MD 21157-6343
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0087490252
Date	Jul 17, 2017
Book Page	8749/0252
Instrument	8749-0252

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	385 KELLYS CT, WESTMINSTER, MD 21157-6343
Document Number	0097300150
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	385 KELLYS CT WESTMINSTER MD 211576343, WESTMINSTER, MD 21157-6343

Mortgage

Document Number	0097300150
Date	Jun 22, 2020
Book Page	009730/000150

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	385 KELLYS CT, WESTMINSTER, MD 21157-6343
Document Number	0094780473
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	385 KELLYS CT WESTMINSTER MD 211576343, WESTMINSTER, MD 21157-6343

Mortgage

Document Number	0094780473
Date	Nov 15, 2019
Book Page	009478/000473

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$385,400 (+16.36%) Land $108,000 Building $277,400	$385,400 (+16.36%) Land $108,000 Building $277,400
2025	$4,151.00 (+10.93%) Homeowner's exemption
2023	$3,742.00 Homeowner's exemption	$331,200 Land $108,000 Building $223,200	$331,200 Land $108,000 Building $223,200

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	5 in force
Nearby Flood Claims	2 (1996–2018)
Most Recent Claim	Jul 2018 · 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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