43 John St, Westminster, MD 21157 Property Records

Carroll County property record for 43 John St, Westminster, MD 21157

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1,296 sqft · built 1890
Lot Size	0.096 acres (4,185 sqft)
Owner	Company Name on Record
Last Sale	$72,500 (Aug 2022)
Tax Bill	$1,628 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Aug 2022 Assignment
Flood Zone	Zone X (minimal risk)
APN	`07-058810`

Property Details

APN / Parcel Number

Primary APN	`07-058810`
Alternative APNs	`7058810` `058810`

Interior

Stories	2 Stories
Building Area	1,296 sqft Total Area
1st Floor Area	1,296 sqft
Basement Area	504 sqft
Unfinished Basement	504 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	4,185 sqft (0.096 acres)
Porch	Slab

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	058810
Street Address	43 JOHN ST
City	WESTMINSTER
State	MD
Zip	21157-4809
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	DOWNT
Legal Description	LT -4185 SF 43 JOHN ST WESTMINSTER
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3042
Census Tract	507601

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	PO BOX 1942, WESTMINSTER, MD 21158-5942
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Deed of Trust, Mortgage · Commercial Mortgage RCN CAPITAL LLC
Aug 22, 2022	Assignment of Deed, Construction Loan · Construction Mortgage SPRING GARDEN LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2022 · Amount on Record
Deed Sale	Aug 22, 2022 · Amount on Record
Prior Sale	Nov 16, 2001 · Amount on Record
Deed Book / Page	10859 / 444
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	43 JOHN ST, WESTMINSTER, MD 21157-4809
Transaction Type	Mortgage
Record Updated	Mar 24, 2023
Title Company	R AND P SETTLEMENT GROUP LLC, R & P SETTLEMENT GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109900369
Date	Mar 8, 2023
Book Page	10990/369

Lender

Name	RCN CAPITAL LLC
Type	Mortgage Company
Address	SOUTH WINDSOR, CT 06074

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

August 2022: Assignment of Deed, Construction Loan

Document Type	Assignment of Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 22, 2022
Property Address	43 JOHN ST, WESTMINSTER, MD 21157-4809
Document Number	0108590444
Book / Page	10859 / 444
Instrument Date	Jul 18, 2022
Transaction Type	Construction Loan
Record Updated	Sep 14, 2022
Title Company	NOT AVAILABLE, JUNCTION TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	PO BOX 1942, WESTMINSTER, MD 21158-5942

Mortgage

Document Number	0108590451
Date	Aug 22, 2022
Instrument	10859-0451

Lender

Name	SPRING GARDEN LENDING LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,628.00	$96,900 (-13.87%) Land $62,700 Building $34,200	$96,900 (-13.87%) Land $62,700 Building $34,200
2025	$1,628.00 (-14.36%)
2023	$1,901.00	$112,500 Land $56,800 Building $55,700	$112,500 Land $56,800 Building $55,700

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1990–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996 · river or lake flooding

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 292 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
AT&T Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone, Verizon.

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