Carroll County property record for 412 Spalding Ct, Westminster, MD 21158
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,208 sqft · built 1990 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Sep 2025) |
| Tax Bill | $4,176 (2026) |
| Deeds & Mortgages | Nov 2023 Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-107897 |
| Primary APN | 07-107897 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,208 sqft Total Area |
| Basement Area | 222 sqft |
| Finished Basement | 222 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Deck Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 107897 |
|---|---|
| Street Address | 412 SPALDING CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-9411 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD-4 |
| Legal Description | LT 185A -2178 SF 412 SPALDING CT 31-43/51 FURNACE HILLS AMND PH 4 |
| Legal Subdivision | FURNACE HILLS PH 04 AMD |
| Legal Phase | 4 |
| Legal Lot Number | 185A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 507704 |
412 Spalding Ct, a townhouse, is owned and occupied by two individuals who bought it in September 2025.
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 412 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2023 | Deed of Trust, Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Sep 12, 2025 | Deed, Transfer · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on File |
| Deed Sale | Sep 12, 2025 · Amount on File |
| Prior Sale | Jan 31, 2025 · Amount on File |
| Deed Book / Page | 11567 / 182 |
| Transfer Doc | 0045520236 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 412 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0111540247 |
|---|---|
| Date | Nov 29, 2023 |
| Book Page | 11154/247 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Amount | Amount on Record |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 12, 2025 |
| Property Address | 412 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Document Number | 0115670182 |
| Book / Page | 11567 / 182 |
| Map Reference | MB 31 FO 51 |
| Instrument Date | Jun 10, 2025 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | APEX SETTLEMENT CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,550.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 412 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Document Number | 0011567190 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 11567/190 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jul 1, 2055 |
The 2026 property tax bill for 412 Spalding Ct was $4,176, up 5.9% from the year before.
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 | $4,176.00 (+5.86%) | $248,600 (+5.86%) Land $80,000 Building $168,600 | $248,600 (-) Land $80,000 Building $168,600 |
| 2025 | $3,945.00 | $234,833 | $248,600 Land $80,000 Building $168,600 |
| 2023 | $3,503.00 | $207,300 Land $79,000 Building $128,300 | $207,300 Land $79,000 Building $128,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 Spalding Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2012 · Hurricane Sandy |
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 risk around 412 Spalding Ct is low, with a 0.01% annual chance of 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.
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 484 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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