Carroll County property record for 414 Spalding Ct, Westminster, MD 21158
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,208 sqft · built 1990 |
| Lot Size | 0.053 acres (2,306 sqft) |
| Owner | Individual Name on File |
| Last Sale | $217,000 (Jul 2019) |
| Tax Bill | $4,417 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-107889 |
| Primary APN | 07-107889 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,208 sqft Total Area |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,306 sqft (0.053 acres) |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 107889 |
|---|---|
| Street Address | 414 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 184A - 2306 SF 414 SPALDING CT 31-51 PH FURNACE HILLS PLT B |
| Legal Subdivision | FURNACE HILLS |
| Legal Lot Number | 184A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 507704 |
414 Spalding Ct, a townhouse, is owned and occupied by an individual who bought it in July 2019.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed of Trust, Mortgage · Partial Claim Mortgage ROCKET MORTGAGE |
| Mar 3, 2026 | Deed of Trust, Mortgage · Partial Claim Mortgage ROCKET MORTGAGE |
| Aug 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Sep 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jun 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 25, 2019 | Grant Deed, Transfer · FHA Mortgage CENTURY LNDG |
| Jun 29, 2017 | Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2019 · Amount on File |
| Deed Sale | Jul 25, 2019 · Amount on File |
| Prior Sale | Jun 29, 2017 · Amount on File |
| Deed Book / Page | 9355 / 104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Document Number | 0116990449 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 11699/449 |
| Name | ROCKET MORTGAGE |
|---|---|
| Type | Non-Lending Institution |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 304 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2026 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Document Number | 0116990449 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 11699/449 |
| Name | ROCKET MORTGAGE |
|---|---|
| Type | Non-Lending Institution |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | Partial Claim Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 304 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Document Number | 0111040121 |
|---|---|
| Date | Aug 30, 2023 |
| Book Page | 11104/121 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0098730130 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 9873/130 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0103160481 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 10316/481 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jul 25, 2019 |
| Property Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Document Number | 0093550104 |
| Book / Page | 009355 / 000104 |
| Instrument Date | Jul 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2019 |
| Title Company | KEY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $217.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 414 SPALDING CT WESTMINSTER MD 211589411, WESTMINSTER, MD 21158-9411 |
| Document Number | 93550111 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 009355/000111 |
| Name | CENTURY LNDG |
|---|---|
| Address | LOUISVILLE, KY 40223 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 24, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 29, 2017 |
| Property Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Document Number | 0087360192 |
| Book / Page | 8736 / 0192 |
| Map Reference | MB31 PG51 SH11A |
| Instrument Date | Jun 2, 2017 |
| Instrument | 8736-0192 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Title Company | LAWYERS ADVANTAGE TITLE GROU |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $512.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 414 SPALDING CT, WESTMINSTER, MD 21158-9411 |
| Document Number | 87360199 |
|---|---|
| Date | Jun 29, 2017 |
| Instrument | 8736-0199 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
The 2026 property tax bill for 414 Spalding Ct was $4,417 with a homeowner's exemption, up 5.4% 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 | $4,417.00 (+5.44%) Homeowner's exemption | $269,800 Land $80,000 Building $189,800 | $269,800 Land $80,000 Building $189,800 |
| 2025 | $4,189.00 Homeowner's exemption | ||
| 2023 | $3,772.00 Homeowner's exemption | $223,200 Land $79,000 Building $144,200 | $223,200 Land $79,000 Building $144,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 414 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 414 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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