Carroll County property record for 415 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 Record |
| Last Sale | $89,000 (Aug 1990) |
| Tax Bill | $3,948 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage Jun 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-107919 |
| Primary APN | 07-107919 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,208 sqft Total Area |
| 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) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 107919 |
|---|---|
| Street Address | 415 SPALDING CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-9412 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD-4 |
| Legal Description | LT 187A- 0.05 AC SPALDING CT PH 4 31-43, 51 AMND FURNACE HILLS |
| Legal Subdivision | FURNACE HILLS PH 04 AMD |
| Legal Phase | 4 |
| Legal Lot Number | 187A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 507704 |
Source: Carroll County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 415 SPALDING CT, WESTMINSTER, MD 21158-9412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2022 | Deed of Trust, Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
| Jun 9, 2017 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 1990 · Amount on Record |
| Deed Sale | Aug 31, 1990 · Amount on Record |
| Deed Book / Page | 1230 / 271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 415 SPALDING CT, WESTMINSTER, MD 21158-9412 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0109090412 |
|---|---|
| Date | Oct 20, 2022 |
| Book Page | 10909/412 |
| Name | MARYLAND DEPT OF HOUSING & COMMUNITY DEV |
|---|---|
| Type | Government Agency |
| Address | LANHAM, MD 20706 |
| Amount | Amount Recorded |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 415 SPALDING CT, WESTMINSTER, MD 21158-9412 |
| Document Number | 0087690264 |
| Instrument Date | Jun 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 415 SPALDING CT WESTMINSTER MD 211589412, WESTMINSTER, MD 21158-9412 |
| Document Number | 0087690264 |
|---|---|
| Date | Aug 7, 2017 |
| Book Page | 008769/000264 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 6, 2057 |
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 | $3,948.00 (+5.7%) | $235,000 (+19.29%) Land $80,000 Building $155,000 | $235,000 (+19.29%) Land $80,000 Building $155,000 |
| 2025 | $3,735.00 (+12.2%) | ||
| 2023 | $3,329.00 | $197,000 Land $79,000 Building $118,000 | $197,000 Land $79,000 Building $118,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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