45 Charles St, Westminster, MD 21157 Property Records

Carroll County property record for 45 Charles St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,296 sqft · built 1910
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,533 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Jun 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-073038`

Property Details

APN / Parcel Number

Primary APN	`07-073038`
Alternative APNs	`7073038` `073038`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,296 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Siding
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	160 ft deep x 50 ft wide
Porch	Slab
Porch Area	168 sqft
Deck Area	244 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	073038
Street Address	45 CHARLES ST
City	WESTMINSTER
State	MD
Zip	21157-5239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT 53 - 8000 SF 45 CHARLES ST 40-154 FRIZZELS ADDITION
Legal Subdivision	FRIZZELS ADD
Legal Lot Number	53
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1012
Census Tract	507801

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

45 Charles St is owned and occupied by two individuals who acquired it in August 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 CHARLES ST, WESTMINSTER, MD 21157-5239
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
Aug 5, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Jun 12, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2008
Deed Sale	Aug 27, 2008
Prior Sale	Sep 22, 1986 · Amount on File
Deed Document Number	200880482
Deed Book / Page	5600 / 659
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	45 CHARLES ST, WESTMINSTER, MD 21157-5239
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0093660176
Date	Aug 5, 2019
Book Page	9366/0176

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 12, 2019
Property Address	45 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0093150256
Book / Page	009315 / 000256
Instrument Date	Jun 11, 2019
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 CHARLES ST WESTMINSTER MD 211575239, WESTMINSTER, MD 21157-5239

Tax Assessment & Valuation

The 2026 property tax bill for 45 Charles St was $2,533 with a homeowner's exemption, up 6% from the year before.

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	$2,533.00 (+5.98%) Homeowner's exemption	$195,400 Land $72,300 Building $123,100	$195,400 Land $72,300 Building $123,100
2025	$2,390.00 Homeowner's exemption
2023	$2,638.00 Homeowner's exemption Disabled Person's exemption	$156,100 Land $62,300 Building $93,800	$156,100 Land $62,300 Building $93,800

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

Flood

FEMA maps place 45 Charles St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 11, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 45 Charles St 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 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Quantum Internet & Telephone Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Charles St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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