392 Kellys Ct, Westminster, MD 21157 Property Records

Carroll County property record for 392 Kellys Ct, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,950 sqft · built 2003
Lot Size	0.994 acres (43,307 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Sep 2007)
Tax Bill	$4,545 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-092997`

Property Details

APN / Parcel Number

Primary APN	`07-092997`
Alternative APNs	`7092997` `092997`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,950 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,307 sqft (0.994 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	092997
Street Address	392 KELLYS CT
City	WESTMINSTER
State	MD
Zip	21157-6341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 20 - 43307 SF 392 KELLYS CT 28-21 PLT RESURVEY KELLYS DELIGHT
Legal Subdivision	KELLYS DELIGHT
Legal Lot Number	20
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3014
Census Tract	507602

Owner

Source: Carroll County records, as of August 18, 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	392 KELLYS CT, WESTMINSTER, MD 21157-6341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage GSF MORTGAGE CORP
Oct 10, 2018	Quit Claim Deed, Transfer · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2007 · Amount on Record
Deed Sale	Sep 24, 2007 · Amount on Record
Prior Sale	Feb 5, 2004 · Amount on Record
Deed Document Number	200770960
Deed Book / Page	5357 / 713
Last Transfer Date	Oct 3, 2018
Transfer Doc	0091400279
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	392 KELLYS CT, WESTMINSTER, MD 21157-6341
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	INTITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097210100
Date	Jun 16, 2020
Book Page	9721/100

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 10, 2018
Property Address	392 KELLYS CT, WESTMINSTER, MD 21157-6341
Document Number	0091400279
Book / Page	009140 / 000279
Instrument Date	Oct 3, 2018
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	MARYLAND TITLE CENTER LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	392 KELLYS CT WESTMINSTER MD 211576341, WESTMINSTER, MD 21157-6341

Mortgage

Document Number	91400285
Date	Oct 10, 2018
Book Page	009140/000285

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2048

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		$493,900 (+9.95%) Land $139,500 Building $354,400	$493,900 (-) Land $139,500 Building $354,400
2025	$4,545.00 (+11.81%) Homeowner's exemption	$449,200 (+24.85%)	$493,900 (+37.27%) Land $139,500 Building $354,400
2023	$4,065.00	$359,800 Land $139,500 Building $220,300	$359,800 Land $139,500 Building $220,300

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

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 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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