405 Grove Ln, Westminster, MD 21157 Property Records

Carroll County property record for 405 Grove Ln, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,390 sqft · built 1966
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$422,000 (Mar 2022)
Tax Bill	$4,275 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-051181`

Property Details

APN / Parcel Number

Primary APN	`04-051181`
Alternative APNs	`4051181` `051181`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,390 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	894 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	454 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	051181
Street Address	405 GROVE LN
City	WESTMINSTER
State	MD
Zip	21157-7317
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT- 1.0009 AC 405 GROVE LN RTE 32
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	2
Census Block	2008
Census Tract	504201

Owner

Source: Carroll County records · APN 04-051181

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 GROVE LN, WESTMINSTER, MD 21157-7317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 03, 2021	Deed of Trust, Mortgage · Line of Credit NEW WINDSOR STATE BANK
Mar 11, 2022	Deed, Transfer · Conventional Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 11, 2022 · Amount on Record
Deed Sale	Mar 11, 2022 · Amount on Record
Prior Sale	Jul 14, 2011 · Amount on Record
Deed Book / Page	10702 / 481
Transfer Doc	0020600889
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	405 GROVE LN, WESTMINSTER, MD 21157-7317
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 GROVE LN, WESTMINSTER, MD 21157-7317

Mortgage

Document Number	0103920182
Date	Aug 03, 2021
Book Page	10392/182

Lender

Name	NEW WINDSOR STATE BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 11, 2022
Property Address	405 GROVE LN, WESTMINSTER, MD 21157-7317
Document Number	0107020481
Book / Page	10702 / 481
Instrument Date	Mar 04, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	CARTER TITLE LLC, CHARTER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 GROVE LN, WESTMINSTER, MD 21157-7317

Mortgage

Document Number	0010702487
Date	Mar 11, 2022
Instrument	10702/487

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

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		$417,267 (+3.39%)	$444,600 (+10.16%) Land $180,000 Building $264,600
2025	$4,275.00 (+22.07%) Homeowner's exemption	$403,600 (+30.22%) Land $160,000 Building $243,600	$403,600 (-) Land $160,000 Building $243,600
2023	$3,502.00 (+17.79%)	$309,933 (+17.8%)	$403,600 (+53.4%) Land $160,000 Building $243,600
2022	$2,973.00	$263,100 Land $140,000 Building $123,100	$263,100 Land $140,000 Building $123,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 11, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 31 locations within half a mile of this property.

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