Carroll County property record for 40 Manchester Ave, Westminster, MD 21157
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 660 sqft · built 1891 |
| Lot Size | 0.087 acres (3,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Dec 2023) |
| Tax Bill | $4,394 (2026) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Jan 2023 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-059264 |
| Primary APN | 07-059264 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 660 sqft Total Area |
| Year Built | Built 1891 |
|---|---|
| Effective Year Built | Effective 1891 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,792 sqft (0.087 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 059264 |
|---|---|
| Street Address | 40 MANCHESTER AVE |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-5532 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R-750 |
| Legal Description | LT - 3792 SF 40-42 MANCHESTER AVE WESTMINSTER |
| Legal Subdivision | WESTMINSTER |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 507602 |
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 | 40 MANCHESTER AVE, WESTMINSTER, MD 21157-5532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2023 | Deed, Transfer · Conventional Mortgage ATLANTIC COAST MORTGAGE |
| Jan 20, 2023 | Deed, Transfer NOT AVAILABLE, RESOLUTE TITLE LLC |
| Dec 21, 2018 | Grant Deed, Transfer OTHER |
| Jun 6, 2017 | Loan Modification, Mortgage FARMERS & MERCHANTS NAT'L BK |
| Jan 9, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2023 · Amount on Record |
| Deed Sale | Dec 11, 2023 · Amount on Record |
| Prior Sale | Jan 20, 2023 · Amount on Record |
| Deed Book / Page | 11161 / 421 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 11, 2023 |
| Property Address | 40 MANCHESTER AVE, WESTMINSTER, MD 21157-5532 |
| Document Number | 0111610421 |
| Book / Page | 11161 / 421 |
| Instrument Date | Nov 30, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 40 MANCHESTER AVE, WESTMINSTER, MD 21157-5532 |
| Document Number | 0111610428 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | 11161-0428 |
| Name | ATLANTIC COAST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 20, 2023 |
| Property Address | 40 MANCHESTER AVE, WESTMINSTER, MD 21157-5532 |
| Document Number | 0109670124 |
| Book / Page | 10967 / 124 |
| Instrument Date | Jan 9, 2023 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2023 |
| Title Company | NOT AVAILABLE, RESOLUTE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 MANCHESTER AVE, WESTMINSTER, MD 21157-5532 |
| Name | Verified Name |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 21, 2018 |
| Property Address | 40 MANCHESTER AVE, WESTMINSTER, MD 21157-5532 |
| Document Number | 0091920068 |
| Book / Page | 009192 / 000068 |
| Instrument Date | Dec 13, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | OTHER |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 910 LUCABAUGH MILL RD WESTMINSTER MD 211573820, WESTMINSTER, MD 21157-3820 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 40 MANCHESTER AVE, WESTMINSTER, MD 21157-5532 |
| Document Number | 0087180386 |
| Instrument Date | Jun 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 406408410 LUCABAUGH MILL RD WESTMINSTER MD, WESTMINSTER, MD |
| Document Number | 0087180386 |
|---|---|
| Date | Jun 14, 2017 |
| Book Page | 008718/000386 |
| Name | FARMERS & MERCHANTS NAT'L BK |
|---|---|
| Type | Bank |
| Address | 15226 HANOVER PIKE, UPPERCO, MD 21155-9749 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Jun 13, 2022 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 9, 2017 |
| Property Address | 40 MANCHESTER AVE, WESTMINSTER, MD 21157-5532 |
| Document Number | 0085770153 |
| Book / Page | 008577 / 000153 |
| Instrument Date | Jan 5, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $66.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 410 LUCABAUGH MILL RD WESTMINSTER MD 211576320, WESTMINSTER, MD 21157-6320 |
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 | $4,394.00 (+8.23%) | $261,600 (+473.68%) Land $53,600 Building $208,000 | $261,600 (+473.68%) Land $53,600 Building $208,000 |
| 2025 | $4,060.00 (+427.27%) | ||
| 2023 | $770.00 | $45,600 Land $45,600 | $45,600 Land $45,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Claims | 1 (2018) |
| Most Recent Claim | Jul 2018 · 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.
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.
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 145 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 |
May also be available: Antietam Cable, AT&T, Quantum Internet & Telephone, T-Mobile, Verizon.
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