421 Monterey Dr, Westminster, MD 21157 Property Records

Carroll County property record for 421 Monterey Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,092 sqft · built 1960
Lot Size	0.436 acres (19,000 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Jun 2016)
Tax Bill	$3,311 (2026)
Deeds & Mortgages	Dec 2023 Second Mortgage Jun 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-020570`

Property Details

APN / Parcel Number

Primary APN	`07-020570`
Alternative APNs	`7020570` `020570`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,000 sqft (0.436 acres)
Lot Dimensions	200 ft deep x 95 ft wide
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	020570
Street Address	421 MONTEREY DR
City	WESTMINSTER
State	MD
Zip	21157-4616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 16 - 19000 SF 421 MONTEREY DR 4-36 SULLIVAN HEIGHTS
Legal Subdivision	SULLIVAN HEIGHTS
Legal Lot Number	16
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2022
Census Tract	507601

Owner

421 Monterey Dr is owned and occupied by two individuals who bought it in June 2016.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	421 MONTEREY DR, WESTMINSTER, MD 21157-4616
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 1, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Oct 19, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2016 · Amount on File
Deed Sale	Jun 17, 2016 · Amount on File
Prior Sale	May 7, 2009 · Amount on File
Deed Book / Page	8347 / 121
Prior Transfer Date	May 20, 2015
Prior Transfer Doc	0081210478
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	421 MONTEREY DR, WESTMINSTER, MD 21157-4616
Transaction Type	Mortgage
Record Updated	Jan 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0111690214
Date	Dec 22, 2023
Book Page	11169/214

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2044

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	421 MONTEREY DR, WESTMINSTER, MD 21157-4616
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110420135
Date	Jun 1, 2023
Book Page	11042/135

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2043

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	421 MONTEREY DR, WESTMINSTER, MD 21157-4616
Document Number	0099300055
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Nov 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	421 MONTEREY DR WESTMINSTER MD 211574616, WESTMINSTER, MD 21157-4616

Mortgage

Document Number	0099300055
Date	Nov 4, 2020
Book Page	009930/000055

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 421 Monterey Dr was $3,311 with a homeowner's exemption, up 5% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

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	$3,311.00 (+5.01%) Homeowner's exemption	$337,400 (+5.15%) Land $97,600 Building $239,800	$337,400 (-) Land $97,600 Building $239,800
2025	$3,153.00 Homeowner's exemption	$320,867	$337,400 Land $97,600 Building $239,800
2023	$3,252.00 Homeowner's exemption	$287,800 Land $97,600 Building $190,200	$287,800 Land $97,600 Building $190,200

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

Flood

FEMA maps place 421 Monterey Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 421 Monterey Dr 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.

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 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Ting.

Nearby Properties on Monterey Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures