428 Spalding Ct, Westminster, MD 21158 Property Records

Carroll County property record for 428 Spalding Ct, Westminster, MD 21158

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,208 sqft · built 1990
Lot Size	0.119 acres (5,195 sqft)
Owner	Individual Name on Record
Last Sale	$219,000 (Jun 2018)
Tax Bill	$4,299 (2026)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-107803`

Property Details

APN / Parcel Number

Primary APN	`07-107803`
Alternative APNs	`7107803` `107803`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,208 sqft Total Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,195 sqft (0.119 acres)
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	107803
Street Address	428 SPALDING CT
City	WESTMINSTER
State	MD
Zip	21158-9413
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PD-4
Legal Description	LT 177A - 5195 SF 428 SPALDING CT 31-43/51 FURNACE HILLS PH 4
Legal Subdivision	FURNACE HILLS B PH 04
Legal Phase	4
Legal Lot Number	177A
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3004
Census Tract	507704

Owner

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	Individual Name on Record
Mailing Address	428 SPALDING CT, WESTMINSTER, MD 21158-9413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2018 · Amount on Record
Deed Sale	Jun 28, 2018 · Amount on Record
Prior Sale	Jan 5, 2009 · Amount on Record
Deed Book / Page	9054 / 485
Record Updated	Oct 29, 2026

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 28, 2018
Property Address	428 SPALDING CT, WESTMINSTER, MD 21158-9413
Document Number	0090540485
Book / Page	009054 / 000485
Instrument Date	Jun 22, 2018
Transaction Type	Transfer
Record Updated	Jul 11, 2018
Title Company	MID-ATLANTIC SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	428 SPALDING CT WESTMINSTER MD 211589413, WESTMINSTER, MD 21158-9413

Mortgage

Document Number	90540491
Date	Jun 28, 2018
Book Page	009054/000491

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,299.00 (+5.89%) Homeowner's exemption	$277,100 (+28.7%) Land $80,000 Building $197,100	$277,100 (+28.7%) Land $80,000 Building $197,100
2025	$4,060.00 (+11.6%) Homeowner's exemption
2023	$3,638.00 Homeowner's exemption	$215,300 Land $80,000 Building $135,300	$215,300 Land $80,000 Building $135,300

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
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

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 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