445 Houck Rd, Westminster, MD 21157 Property Records

Carroll County property record for 445 Houck Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	5.5 ba · 6,853 sqft · built 2008
Lot Size	10.7 acres (466,353 sqft)
Owner	2 Individual Names on File
Last Sale	$1,300,000 (Jan 2016)
Tax Bill	$19,613 (2026)
Deeds & Mortgages	Mar 2017 Line of Credit Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-068135`

Property Details

APN / Parcel Number

Primary APN	`08-068135`
Alternative APN	`068135`

Interior

Full Baths	5.5 Baths
Half Baths	3 Half Baths
Stories	2 Stories
Building Area	6,853 sqft Total Area
1st Floor Area	336 sqft
Attic	Attic
Attic Area	1,272 sqft
Basement Area	3,480 sqft
Finished Basement	3,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	466,353 sqft (10.7 acres)
Garage Type	Attached
Garage Area	1,266 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	744 sqft
Patio Area	1,444 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	068135
Street Address	445 HOUCK RD
City	WESTMINSTER
State	MD
Zip	21157-6622
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	OC #2 - 10.7063 ACS 445 HOUCK RD CARROLLTON KNOLL ESTATES
Legal Subdivision	CARROLLTON KNOLL ESTATES
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	1
Census Block	1019
Census Tract	508200

Owner

445 Houck Rd is owned and occupied by two individuals who acquired it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	445 HOUCK RD, WESTMINSTER, MD 21157-6622
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
Mar 10, 2017	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Aug 29, 2022	Certificate of Transfer, Transfer
Jun 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage M & T BANK
May 8, 2019	Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2016 · Amount on File
Deed Sale	Jan 15, 2016 · Amount on File
Prior Sale	Jan 15, 2016 · Amount on File
Deed Book / Page	8202 / 79
Last Transfer Date	Jun 2, 2020
Transfer Doc	0097410090
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	445 HOUCK RD, WESTMINSTER, MD 21157-6622
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0086310180
Date	Mar 10, 2017
Book Page	8631/0180
Instrument	8631-0180

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	00000

Agreement

Type	Line of Credit
Amount	Amount on Record

August 2022: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	CARROLL MD
Recording Date	Aug 29, 2022
Property Address	445 HOUCK RD, WESTMINSTER, MD 21157-6622
Document Number	0108690065
Book / Page	10869 / 65
Instrument Date	Jul 14, 2022
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 HOUCK RD, 445, WESTMINSTER, MD 21157-6622

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 WOODBRIDGE LN, JERICHO, NY 11753-2630
Investor	Possibly a Property Investor

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Jun 29, 2020
Property Address	445 HOUCK RD, WESTMINSTER, MD 21157-6622
Document Number	0097410090
Book / Page	9741 / 90
Instrument Date	Jun 2, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 HOUCK RD, WESTMINSTER, MD 21157-6622

Mortgage

Document Number	0000974196
Date	Jun 29, 2020
Instrument	9741/96

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	162 Months
Due	Dec 29, 2033

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARROLL MD
Property Address	445 HOUCK RD, WESTMINSTER, MD 21157-6622
Document Number	0092970072
Instrument Date	May 8, 2019
Transaction Type	Mortgage
Record Updated	Jun 5, 2019
Title Company	RGS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 HOUCK RD WESTMINSTER MD 211576622, WESTMINSTER, MD 21157-6622

Mortgage

Document Number	0092970072
Date	May 22, 2019
Book Page	009297/000072

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 445 Houck Rd was $19,613, up 4.2% 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	$19,613.00 (+4.17%)	$1,746,100 (+4.19%)	$1,886,500 (+12.57%) Land $238,500 Building $1,648,000
2025	$18,827.00	$1,675,900 Land $203,500 Building $1,472,400	$1,675,900 Land $203,500 Building $1,472,400
2023	$16,535.00	$1,463,300	$1,675,900 Land $203,500 Building $1,472,400

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

Flood

FEMA maps place 445 Houck Rd 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	2 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 445 Houck Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Houck Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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