Carroll County property record for 406 E Main St, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1936 |
| Square Footage | 1,369 sqft Total Area |
| Lot Size | 12,924 sqft (0.297 acres) |
| Last Sale | $150,000 (2021) |
| Tax Bill | $2,742.00 (2025) |
| Primary APN | 07-026331 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 1,369 sqft Total Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Exterior Material | Brick Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 12,924 sqft (0.297 acres) |
| Patio Area | 70 sqft Patio |
| Porch Area | 33 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Radiant Heating |
| Sewage | Sewage Connected |
| Account Number | 026331 |
|---|---|
| Street Address | 406 E MAIN ST |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-5520 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT - 12924 SF 406 E MAIN ST WESTMINSTER |
| Legal Subdivision | WESTMINSTER |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 7, WESTMINSTER |
| Census Blockgroup | 1 |
| Census Block | 1006 |
| Census Tract | 507802 |
Source: Carroll County records · APN 07-026331
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 | Company Name on File |
|---|---|
| Mailing Address | 1800 GREEN MILL RD, FINKSBURG, MD 21048-1749 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 21, 2017 | Deed of Trust, Mortgage · Closed End Mortgage PNC BANK NA |
| Sep 07, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 10, 2021 | Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 10, 2021 · Amount on Record |
| Deed Sale | May 10, 2021 · Amount on Record |
| Prior Sale | Jan 29, 2003 |
| Deed Book / Page | 10260 / 28 |
| Transfer Doc | 0000962754 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 406 E MAIN ST, WESTMINSTER, MD 21157-5520 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0087800330 |
|---|---|
| Date | Aug 21, 2017 |
| Book Page | 8780/0330 |
| Instrument | 8780-0330 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Closed End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 406 E MAIN ST, WESTMINSTER, MD 21157-5520 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0091130152 |
|---|---|
| Date | Sep 07, 2018 |
| Book Page | 9113/0152 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 10, 2021 |
| Property Address | 406 E MAIN ST, WESTMINSTER, MD 21157-5520 |
| Document Number | 0102600028 |
| Book / Page | 10260 / 28 |
| Instrument Date | Apr 30, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY |
| 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 |
|---|---|
| Address | 717 POOLE RD, WESTMINSTER, MD 21157-7228 |
| Document Number | 0001026034 |
|---|---|
| Date | May 10, 2021 |
| Instrument | 10260/34 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | May 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 10.5% |
| Index | 1-Year LIBOR |
| Max Rate | 10.5% |
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 | $263,900 (+27.67%) Land $78,600 Building $185,300 | $263,900 (+27.67%) Land $78,600 Building $185,300 | |
| 2025 | $2,742.00 (+17.43%) | ||
| 2023 | $2,335.00 (+4.33%) | $206,700 (+4.34%) Land $78,600 Building $128,100 | $206,700 (-) Land $78,600 Building $128,100 |
| 2022 | $2,238.00 | $198,100 | $206,700 Land $78,600 Building $128,100 |
406 E Main St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect 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 | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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