486 Lakes Ct, Westminster, MD 21158 Property Records

Carroll County property record for 486 Lakes Ct, Westminster, MD 21158

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,172 sqft · built 1989
Lot Size	0.081 acres (3,536 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jul 2026)
Tax Bill	$4,438 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-097468`

Property Details

APN / Parcel Number

Primary APN	`07-097468`
Alternative APNs	`7097468` `097468`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,172 sqft Total Area
Basement Area	270 sqft
Finished Basement	270 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,536 sqft (0.081 acres)
Deck Area	216 sqft
Patio Area	360 sqft
Balcony Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	097468
Street Address	486 LAKES CT
City	WESTMINSTER
State	MD
Zip	21158-4197
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-200
Legal Description	LT 103 - 3536 SF 486 LAKES CT 28-188 AVONDALE RUN PH 1
Legal Subdivision	AVONDALE RUN
Legal Phase	1
Legal Lot Number	103
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1019
Census Tract	507703

Owner

486 Lakes Ct, a townhouse, is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	486 LAKES CT, WESTMINSTER, MD 21158-4197
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 21, 2026	Special Warranty Deed, Transfer · FHA Mortgage MORTGAGE MORTGAGE
Jun 7, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP
Jun 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on File
Deed Sale	Jul 21, 2026 · Amount on File
Prior Sale	Jun 7, 2022 · Amount on File
Deed Book / Page	11814 / 491
Prior Transfer Date	Dec 2, 2010
Prior Transfer Doc	0063940318
Record Updated	Oct 29, 2026

July 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 21, 2026
Property Address	486 LAKES CT, WESTMINSTER, MD 21158-4197
Document Number	1181000491
Book / Page	11814 / 491
Instrument Date	Jun 30, 2026
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	MANOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333,300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	486 LAKES CT, WESTMINSTER, MD 21158-4197

Mortgage

Document Number	1181000499,
Date	Jul 21, 2026
Book Page	11814/499

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.48%
Max Rate	-1%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 7, 2022
Property Address	486 LAKES CT, WESTMINSTER, MD 21158-4197
Document Number	0107950193
Book / Page	10795 / 193
Map Reference	MB 28 PG 188
Instrument Date	May 19, 2022
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	486 LAKES CT, WESTMINSTER, MD 21158-4197

Mortgage

Document Number	0107950200
Date	Jun 7, 2022
Instrument	10795-0200

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 13, 2019
Property Address	486 LAKES CT, WESTMINSTER, MD 21158-4197
Document Number	0093170303
Book / Page	009317 / 000303
Instrument Date	May 22, 2019
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 LAKES CT WESTMINSTER MD 211584197, WESTMINSTER, MD 21158-4197

Tax Assessment & Valuation

The 2026 property tax bill for 486 Lakes Ct was $4,438 with a homeowner's exemption, up 5.8% 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	$4,438.00 (+5.82%) Homeowner's exemption	$277,000 (+6.98%) Land $80,000 Building $197,000	$277,000 (-) Land $80,000 Building $197,000
2025	$4,194.00 Homeowner's exemption	$258,933	$277,000 Land $80,000 Building $197,000
2023	$3,765.00	$222,800 Land $80,000 Building $142,800	$222,800 Land $80,000 Building $142,800

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

Flood

FEMA maps place 486 Lakes Ct in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force

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

Wildfire risk around 486 Lakes Ct 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	WAKEFIELD VALLEY private · serves 2,436 people · EPA ID MD0060017
Water Source	Groundwater influenced by surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 58 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
AT&T Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone.

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