389 Mountain Laurel Ct, Westminster, MD 21158 Property Records

Carroll County property record for 389 Mountain Laurel Ct, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,220 sqft · built 1992
Lot Size	0.33 acres (14,381 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Jul 2026)
Tax Bill	$5,480 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-115393`

Property Details

APN / Parcel Number

Primary APN	`07-115393`
Alternative APNs	`7115393` `115393`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,220 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,381 sqft (0.33 acres)
Deck Area	376 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	115393
Street Address	389 MOUNTAIN LAUREL CT
City	WESTMINSTER
State	MD
Zip	21158-9423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 72- 14381 SQ FT MOUNTAIN LAUREL CT 34-77 WHISPERING MEADOWS SC 3
Legal Subdivision	WHISPERING WOODS 1 SEC 3
Legal Lot Number	72
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2008
Census Tract	507704

Owner

389 Mountain Laurel Ct is owned and occupied by an individual who bought it in July 2026.

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

Owner of Record	Individual Name on File
Mailing Address	389 MOUNTAIN LAUREL CT, WESTMINSTER, MD 21158-9423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2026 · Amount on File
Deed Sale	Jul 23, 2026 · Amount on File
Prior Sale	Mar 15, 2013 · Amount on File
Deed Book / Page	11817 / 26
Prior Transfer Date	Apr 22, 2011
Prior Transfer Doc	0065610099
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 23, 2026
Property Address	389 MOUNTAIN LAUREL CT, WESTMINSTER, MD 21158-9423
Document Number	1181000026
Book / Page	11817 / 26
Instrument Date	Jul 7, 2026
Transaction Type	Transfer
Record Updated	Aug 3, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424,200.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	389 MOUNTAIN LAUREL CT, WESTMINSTER, MD 21158-9423

Mortgage

Document Number	1181000033,
Date	Jul 23, 2026
Book Page	11817/33

Lender

Name	NFM LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 389 Mountain Laurel Ct was $5,480, up 5.8% from the year before.

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	$5,480.00 (+5.75%)	$326,200 (+5.75%) Land $103,700 Building $222,500	$326,200 (-) Land $103,700 Building $222,500
2025	$5,182.00	$308,467	$326,200 Land $103,700 Building $222,500
2023	$4,613.00	$273,000 Land $103,700 Building $169,300	$273,000 Land $103,700 Building $169,300

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

Flood

FEMA maps place 389 Mountain Laurel Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2009.

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	2 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2009 · rainfall accumulation

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

Wildfire risk around 389 Mountain Laurel Ct 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	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 205 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