Carroll County property record for 45 Union St, Westminster, MD 21157
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 936 sqft · built 1890 |
| Lot Size | 0.024 acres (1,066 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Jan 2018) |
| Tax Bill | $2,449 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-080182 |
| Primary APN | 07-080182 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 936 sqft Total Area |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 1,066 sqft (0.024 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 080182 |
|---|---|
| Street Address | 45 UNION ST |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-4507 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R-750 |
| Legal Description | LT 5A- 1066 SF 45 UNION ST 46-284/286 PROPERTY OF HOPE INC |
| Legal Subdivision | HOPE INC PROPERTIES |
| Legal Lot Number | 5A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 507500 |
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.
45 Union St, a townhouse, is owned and occupied by an individual who bought it in January 2018.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 UNION ST, WESTMINSTER, MD 21157-4507 |
| 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.
| Date | Document |
|---|---|
| Nov 25, 2025 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS TRADERS TRUST CO |
| Jan 5, 2018 | Grant Deed, Transfer · FHA Mortgage EAST COAST CAP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 2018 · Amount on File |
| Deed Sale | Jan 5, 2018 · Amount on File |
| Prior Sale | Oct 6, 2005 · Amount on File |
| Deed Document Number | 20188908-0346 |
| Deed Book / Page | 8908 / 346 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 45 UNION ST, WESTMINSTER, MD 21157-4507 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, RGS TITLE LLC MATS |
| Name | Verified Name |
|---|
| Document Number | 0116260387 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | 11626/387 |
| Name | MANUFACTURERS TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 5, 2018 |
| Property Address | 45 UNION ST, WESTMINSTER, MD 21157-4507 |
| Document Number | 0089080346 |
| Book / Page | 008908 / 000346 |
| Instrument Date | Feb 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2018 |
| Title Company | LEGENDS TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 UNION ST WESTMINSTER MD 211574507, WESTMINSTER, MD 21157-4507 |
| Document Number | 89080353 |
|---|---|
| Date | Jan 5, 2018 |
| Book Page | 008908/000353 |
| Name | EAST COAST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 4, 2048 |
The 2026 property tax bill for 45 Union St was $2,449, up 7.5% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,449.00 (+7.51%) | $145,800 Land $60,000 Building $85,800 | $145,800 Land $60,000 Building $85,800 |
| 2025 | $2,278.00 | ||
| 2023 | $1,948.00 | $115,300 Land $50,000 Building $65,300 | $115,300 Land $50,000 Building $65,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Union 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 risk around 45 Union St is low, with less than 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 97% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 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 |
| AT&T Fixed Wireless | 100 / 20 |
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