Carroll County property record for 405 Charter Ct, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 1996 |
| Square Footage | 2,560 sqft Total Area |
| Lot Size | 19,222 sqft (0.441 acres) |
| Garage | Attached, 440 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $550,000 (2025) |
| Tax Bill | $4,956.00 (2025) |
| Primary APN | 07-116411 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,560 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 19,222 sqft (0.441 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 440 sqft Garage |
| Deck Area | 320 sqft Deck |
| Porch Area | 300 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 116411 |
|---|---|
| Street Address | 405 CHARTER CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7261 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 20 -F19222 SF 405 CHARTER CT 34-135 POOLE MEADOWS SC 1 |
| Legal Subdivision | POOLE MEADOWS SEC 01 |
| Legal Lot Number | 20 |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 7, WESTMINSTER |
| Census Blockgroup | 3 |
| Census Block | 3008 |
| Census Tract | 507802 |
Source: Carroll County records · APN 07-116411
Assessment roll updated August 5, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 405 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 12, 2025 | Special Warranty Deed, Transfer · Conventional Mortgage TRUSTWORTHY MORTGAGE CORP |
| Jun 24, 2021 | Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on Record |
| Deed Sale | Sep 12, 2025 · Amount on Record |
| Prior Sale | Jun 24, 2021 · Amount on Record |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 12, 2025 |
| Property Address | 405 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Document Number | 0115670249 |
| Book / Page | 11567 / 249 |
| Map Reference | MB 34 FO 135 |
| Instrument Date | Sep 08, 2025 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | AESTAR LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 405 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Document Number | 0011567257 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 11567/257 |
| Name | TRUSTWORTHY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Oct 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.9% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.9% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 24, 2021 |
| Property Address | 405 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Document Number | 0103400052 |
| Book / Page | 10340 / 52 |
| Instrument Date | May 06, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2025 |
| Title Company | COLONY TITLE GROP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 405 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Document Number | 0001034059 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 10340/59 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $479,100 (+8.25%) Land $127,800 Building $351,300 | $479,100 (-) Land $127,800 Building $351,300 | |
| 2025 | $4,956.00 (+18.71%) | $442,567 (+19.77%) | $479,100 (+29.66%) Land $127,800 Building $351,300 |
| 2023 | $4,175.00 | $369,500 Land $127,800 Building $241,700 | $369,500 Land $127,800 Building $241,700 |
405 Charter Ct is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Carroll County (24013C), updated March 11, 2016
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 41st in Maryland |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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