45 John St, Westminster, MD 21157 Property Records

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

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3 ba · 1,296 sqft · built 1898
Lot Size	0.096 acres (4,182 sqft)
Owner	Individual on Record
Last Sale	$235,000 (Nov 2021)
Tax Bill	$3,444 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Nov 2021 Assignment
Flood Zone	Zone X (minimal risk)
APN	`07-067119`

Property Details

APN / Parcel Number

Primary APN	`07-067119`
Alternative APNs	`7067119` `067119`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,296 sqft Total Area

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	4,182 sqft (0.096 acres)
Garage Type	Detached
Garage Area	306 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	067119
Street Address	45 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 2 - 4182 SF 45 JOHN ST BAUMGARDNERS ADDITION
Legal Subdivision	BAUMGARDNERS ADD
Legal Lot Number	2
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 assessment roll, as of August 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	1914 HANOVER PIKE, 1, HAMPSTEAD, MD 21074-1375
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2020	Deed of Trust, Mortgage · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Nov 1, 2021	Assignment of Deed, Transfer · VA Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	Jun 21, 2016 · Amount on Record
Deed Book / Page	10533 / 302
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	45 JOHN ST, WESTMINSTER, MD 21157-4809
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	LAWYERS EXPRESS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096150143
Date	Mar 30, 2020
Book Page	9615/143

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

November 2021: Assignment of Deed, Transfer

Document Type	Assignment of Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 1, 2021
Property Address	45 JOHN ST, WESTMINSTER, MD 21157-4809
Document Number	0105330302
Book / Page	10533 / 302
Instrument Date	Oct 8, 2021
Transaction Type	Transfer
Record Updated	Feb 27, 2023
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	45 JOHN ST, WESTMINSTER, MD 21157-4809
Investor	Possibly a Property Investor

Mortgage

Document Number	0010533310
Date	Nov 1, 2021
Instrument	10533/310

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$223,900 (+33.83%) Land $62,700 Building $161,200	$223,900 (+33.83%) Land $62,700 Building $161,200
2025	$3,444.00 (+21.83%)
2023	$2,827.00 (+49.58%)	$167,300 (-) Land $48,500 Building $118,800	$167,300 (-) Land $48,500 Building $118,800
2022	$1,890.00	$167,300 Land $48,500 Building $118,800	$167,300 Land $48,500 Building $118,800

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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