409 E Main St, Westminster, MD 21157 Property Records

Carroll County property record for 409 E Main St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,566 sqft · built 1910
Lot Size	0.395 acres (17,220 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Sep 2025)
Tax Bill	$3,700 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-001592`

Property Details

APN / Parcel Number

Primary APN	`07-001592`
Alternative APNs	`7001592` `001592`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,566 sqft Total Area
Attic	Attic
Attic Area	390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,220 sqft (0.395 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	764 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	001592
Street Address	409 E MAIN ST
City	WESTMINSTER
State	MD
Zip	21157-5519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LTS 3,4 -17220 SQ FT N/S E MAIN ST 1A-52 LYNCH & ORNDORFF ADD
Legal Subdivision	ORNDORFF ADD
Legal Lot Number	3,4
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1044
Census Tract	507602

Owner

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	409 E MAIN ST, WESTMINSTER, MD 21157-5519
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	Apr 16, 2001 · Amount on Record
Deed Book / Page	11558 / 290
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	409 E MAIN ST, WESTMINSTER, MD 21157-5519
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106830223
Date	Feb 24, 2022
Book Page	10683/223

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$387,700 (+30.54%) Land $84,000 Building $303,700	$387,700 (+30.54%) Land $84,000 Building $303,700
2025	$3,700.00 (+10.25%) Homeowner's exemption
2023	$3,356.00 Homeowner's exemption	$297,000 Land $84,000 Building $213,000	$297,000 Land $84,000 Building $213,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.