Carroll County property record for 480 Charter Ct, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,537 sqft · built 1994 |
| Lot Size | 0.452 acres (19,676 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,000 (Nov 2019) |
| Tax Bill | $5,660 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-119011 |
| Primary APN | 07-119011 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,537 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 19,676 sqft (0.452 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 612 sqft |
| Porch | Slab |
| Porch Area | 52 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 119011 |
|---|---|
| Street Address | 480 CHARTER CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-100 |
| Legal Description | LT 25 - 19676 SF 480 CHARTER CT 35-166 POOLE MEADOWS SC 2 |
| Legal Subdivision | POOLE MEADOWS SEC 02 |
| Legal Lot Number | 25 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 507802 |
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 | 480 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Nov 14, 2019 | Grant Deed, Transfer · Conventional Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2019 · Amount on Record |
| Deed Sale | Nov 14, 2019 · Amount on Record |
| Prior Sale | Sep 18, 2007 |
| Deed Book / Page | 9478 / 181 |
| Prior Transfer Date | May 22, 2009 |
| Prior Transfer Doc | 0058270423 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 480 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0105890481 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 10589/481 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 480 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0103700146 |
|---|---|
| Date | Jul 19, 2021 |
| Book Page | 10370/146 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | HUNT VALLEY, MD 21031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Nov 14, 2019 |
| Property Address | 480 CHARTER CT, WESTMINSTER, MD 21157-7261 |
| Document Number | 0094780181 |
| Book / Page | 009478 / 000181 |
| Instrument Date | Jul 22, 2019 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2019 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $415.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 480 CHARTER CT WESTMINSTER MD 211577261, WESTMINSTER, MD 21157-7261 |
| Document Number | 94780189 |
|---|---|
| Date | Nov 14, 2019 |
| Book Page | 009478/000189 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 13, 2049 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,660.00 (+6.35%) | $505,400 (+6.35%) Land $128,200 Building $377,200 | $505,400 (-) Land $128,200 Building $377,200 |
| 2025 | $5,322.00 (+13.52%) | $475,233 (+14.54%) | $505,400 (+21.81%) Land $128,200 Building $377,200 |
| 2023 | $4,688.00 | $414,900 Land $128,200 Building $286,700 | $414,900 Land $128,200 Building $286,700 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2015–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2024 · other causes |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 190 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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