448 Spalding Ct, Westminster, MD 21158 Property Records

Carroll County property record for 448 Spalding Ct, Westminster, MD 21158

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,208 sqft · built 1990
Lot Size	0.053 acres (2,300 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Aug 2008)
Tax Bill	$4,139 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage May 2024 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-107706`

Property Details

APN / Parcel Number

Primary APN	`07-107706`
Alternative APNs	`7107706` `107706`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,208 sqft Total Area
Basement Area	198 sqft
Finished Basement	198 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,300 sqft (0.053 acres)
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	107706
Street Address	448 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 168A - 2300 SF 448 SPALDING CT 31-51 PL FURNACE HILLS AMND PH 4
Legal Subdivision	FURNACE HILLS PH 04 AMD
Legal Phase	4
Legal Lot Number	168A
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	448 SPALDING CT, WESTMINSTER, MD 21158-9413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL FCU OF MARYLAND
May 1, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL FCU OF MARYLAND
May 2, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST FINANCIAL OF MD FEDERAL CREDI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2008 · Amount on File
Deed Sale	Aug 11, 2008 · Amount on File
Prior Sale	Jun 28, 2001 · Amount on File
Deed Document Number	200880321
Deed Book / Page	5591 / 653
Last Transfer Date	Apr 14, 2017
Transfer Doc	0086740369
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	448 SPALDING CT, WESTMINSTER, MD 21158-9413
Transaction Type	Mortgage
Record Updated	Dec 2, 2025
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0116190388
Date	Nov 18, 2025
Book Page	11619/388

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Oct 1, 2045

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	448 SPALDING CT, WESTMINSTER, MD 21158-9413
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0112340406
Date	May 1, 2024
Book Page	11234/406

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	232 Months
Due	Sep 1, 2043

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	May 2, 2017
Property Address	448 SPALDING CT, WESTMINSTER, MD 21158-9413
Document Number	0086740369
Book / Page	8674 / 0369
Map Reference	MB31 FO51
Instrument Date	Apr 14, 2017
Instrument	8674-0369
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	KING TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 SPALDING CT, WESTMINSTER, MD 21158-9413

Mortgage

Document Number	86740374
Date	May 2, 2017
Instrument	8674-0374

Lender

Name	FIRST FINANCIAL OF MD FEDERAL CREDI

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

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	$4,139.00 (+5.37%) Homeowner's exemption	$251,800 (+5.9%) Land $80,000 Building $171,800	$251,800 (-) Land $80,000 Building $171,800
2025	$3,928.00 (+10.87%) Homeowner's exemption	$237,767 (+13.38%)	$251,800 (+20.08%) Land $80,000 Building $171,800
2023	$3,543.00 Homeowner's exemption	$209,700 Land $79,000 Building $130,700	$209,700 Land $79,000 Building $130,700

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	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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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.

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 118 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

Cell Coverage

5G (outdoors only) and 4G LTE

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