Carroll County property record for 397 Kellys Ct, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,860 sqft · built 2002 |
| Lot Size | 0.649 acres (28,274 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $430,000 (Jul 2022) |
| Tax Bill | $4,484 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-092679 |
| Primary APN | 07-092679 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 28,274 sqft (0.649 acres) |
| Garage Type | Attached |
| Garage Area | 229 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
| Pool Area | 578 sqft |
| Patio Area | 272 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 092679 |
|---|---|
| Street Address | 397 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 2B - 28274 SF 397 KELLYS CT 28-19 RESURVEY KELLYS DELIGHT |
| Legal Subdivision | KELLYS DELIGHT B |
| Legal Lot Number | 2B |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 507602 |
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 | 397 KELLYS CT, WESTMINSTER, MD 21157-6343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2022 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Sep 13, 2021 | Intrafamily Transfer, Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| Jan 13, 2018 | Deed of Trust, Mortgage · VA Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2022 · Amount on Record |
| Deed Sale | Jul 28, 2022 · Amount on Record |
| Prior Sale | Sep 13, 2021 |
| Deed Book / Page | 10844 / 89 |
| Prior Transfer Date | Aug 9, 2021 |
| Prior Transfer Doc | 0104470258 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jul 28, 2022 |
| Property Address | 397 KELLYS CT, WESTMINSTER, MD 21157-6343 |
| Document Number | 0108440089 |
| Book / Page | 10844 / 89 |
| Map Reference | MB 28 PG 19 |
| Instrument Date | Jul 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2022 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 397 KELLYS CT, WESTMINSTER, MD 21157-6343 |
| Document Number | 0108440095 |
|---|---|
| Date | Jul 28, 2022 |
| Instrument | 10844-0095 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 13, 2021 |
| Property Address | 397 KELLYS CT, WESTMINSTER, MD 21157-6343 |
| Document Number | 0104470258 |
| Book / Page | 10447 / 258 |
| Map Reference | MB 28 PG 19 |
| Instrument Date | Aug 9, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0010447264 |
|---|---|
| Date | Sep 13, 2021 |
| Instrument | 10447/264 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 397 KELLYS CT, WESTMINSTER, MD 21157-6343 |
| Document Number | 0089230458 |
| Book / Page | 008923 / 000458 |
| Instrument Date | Jan 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 397 KELLYS CT WESTMINSTER MD 211576343, WESTMINSTER, MD 21157-6343 |
| Document Number | 0089230458 |
|---|---|
| Date | Jan 24, 2018 |
| Book Page | 008923/000458 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2048 |
Source: Carroll County assessment roll, as of August 5, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $412,200 (+4.33%) Land $111,800 Building $300,400 | $412,200 (-) Land $111,800 Building $300,400 | |
| 2025 | $4,484.00 (+9.96%) Homeowner's exemption | $395,100 (+9.48%) | $412,200 (+14.21%) Land $111,800 Building $300,400 |
| 2023 | $4,078.00 | $360,900 Land $111,800 Building $249,100 | $360,900 Land $111,800 Building $249,100 |
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 · 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.
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.
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 |
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