Carroll County property record for 478 Silver Ct, Westminster, MD 21158
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,208 sqft · built 1989 |
| Lot Size | 0.061 acres (2,636 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Sep 2022) |
| Tax Bill | $4,655 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage Sep 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-104197 |
| Primary APN | 07-104197 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,208 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,636 sqft (0.061 acres) |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 104197 |
|---|---|
| Street Address | 478 SILVER CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-9404 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD-4 |
| Legal Description | LT 94A - 2636 SF 478 SILVER CT 31-67 FURNACE HILLS AMND PH 3 |
| Legal Subdivision | 2ND AMENDED PLAT B FURNACE HILLS |
| Legal Phase | 3 |
| Legal Lot Number | 94A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 507704 |
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 478 SILVER CT, WESTMINSTER, MD 21158-9404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2023 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 21, 2022 | Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Oct 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 20, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 28, 2018 | Grant Deed, Transfer · FHA Mortgage NFM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2022 · Amount on Record |
| Deed Sale | Sep 21, 2022 · Amount on Record |
| Prior Sale | Sep 28, 2018 · Amount on Record |
| Deed Book / Page | 10889 / 232 |
| Prior Transfer Date | Jun 29, 2016 |
| Prior Transfer Doc | 0083800324 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 478 SILVER CT, WESTMINSTER, MD 21158-9404 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2023 |
| Title Company | NOT AVAILABLE, TOWNSGATE CLOSING SVS LLC |
| Name | Verified Name |
|---|
| Document Number | 0110480486 |
|---|---|
| Date | Jun 9, 2023 |
| Book Page | 11048/486 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 21, 2022 |
| Property Address | 478 SILVER CT, WESTMINSTER, MD 21158-9404 |
| Document Number | 0108890232 |
| Book / Page | 10889 / 232 |
| Map Reference | MB 31 FO 67 |
| Instrument Date | Sep 2, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $687.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 478 SILVER CT, WESTMINSTER, MD 21158-9404 |
| Document Number | 0108890238 |
|---|---|
| Date | Sep 21, 2022 |
| Instrument | 10889-0238 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 478 SILVER CT, WESTMINSTER, MD 21158-9404 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0104800367 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 10480/367 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 478 SILVER CT, WESTMINSTER, MD 21158-9404 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0098130187 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | 9813/187 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 28, 2018 |
| Property Address | 478 SILVER CT, WESTMINSTER, MD 21158-9404 |
| Document Number | 0091300351 |
| Book / Page | 009130 / 000351 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2018 |
| Title Company | MASTERS TITLE AND ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 478 SILVER CT WESTMINSTER MD 211589404, WESTMINSTER, MD 21158-9404 |
| Document Number | 91300357 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 009130/000357 |
| Name | NFM LNDG |
|---|---|
| Address | LINTHICUM, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 27, 2048 |
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 | $4,655.00 (+6.18%) | $277,100 (+6.18%) Land $80,000 Building $197,100 | $277,100 (-) Land $80,000 Building $197,100 |
| 2025 | $4,384.00 (+13.43%) | $260,967 (+14.11%) | $277,100 (+21.16%) Land $80,000 Building $197,100 |
| 2023 | $3,865.00 | $228,700 Land $79,000 Building $149,700 | $228,700 Land $79,000 Building $149,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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.
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.
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 484 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 |
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