49 Charles St, Westminster, MD 21157 Property Records

Carroll County property record for 49 Charles St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1 ba · 922 sqft · built 1910
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$328,000 (Apr 2024)
Tax Bill	$4,016 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-073232`

Property Details

APN / Parcel Number

Primary APN	`07-073232`
Alternative APNs	`7073232` `073232`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	922 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,000 sqft (0.184 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	073232
Street Address	49 CHARLES ST
City	WESTMINSTER
State	MD
Zip	21157-5239
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT 55 - 8000 SF 49 CHARLES ST 1-119 FRIZELLS ADDITION
Legal Subdivision	FRIZELLS ADD
Legal Lot Number	55
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1012
Census Tract	507801

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

49 Charles St is owned and occupied by an individual who bought it in April 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	49 CHARLES ST, WESTMINSTER, MD 21157-5239
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed, Transfer · VA Mortgage USAA FSB
Aug 12, 2022	Deed, Transfer SAGE TITLE GROUP LLC
Nov 21, 2017	Trustee's Deed, Construction Loan · Construction Mortgage WESLEY L FAKES
Nov 15, 2017	Grant Deed, Transfer SAFEGUARD TITLE INSURANCE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2024 · Amount on File
Deed Sale	Apr 25, 2024 · Amount on File
Prior Sale	Aug 12, 2022 · Amount on File
Deed Book / Page	11231 / 125
Prior Transfer Date	Oct 20, 2021
Prior Transfer Doc	1074000436
Record Updated	Oct 29, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 25, 2024
Property Address	49 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0112310125
Book / Page	11231 / 125
Map Reference	LB JBB 40 FO 154
Instrument Date	Apr 1, 2024
Transaction Type	Transfer
Record Updated	May 13, 2024
Title Company	RE TITLE SERVICES LLC, RAVEN TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,640.00
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	49 CHARLES ST, WESTMINSTER, MD 21157-5239

Mortgage

Document Number	0112310130
Date	Apr 25, 2024
Instrument	11231-0130

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 12, 2022
Property Address	49 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0108520432
Book / Page	10852 / 432
Map Reference	LB JBB40 FO 154
Instrument Date	Jul 14, 2022
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount 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	1912 106, SYOSSET, NY 11791

November 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 21, 2017
Property Address	49 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0088710065
Book / Page	008871 / 000065
Instrument Date	Nov 1, 2017
Transaction Type	Construction Loan
Record Updated	Dec 8, 2017
Title Company	SAFEGUARD TITLE INSURANCE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1015 DUNHOLME RD REISTERSTOWN MD 211363501, REISTERSTOWN, MD 21136-3501

Mortgage

Document Number	88710065
Date	Nov 21, 2017
Book Page	008871/000065

Lender

Name	WESLEY L FAKES

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 20, 2018

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 15, 2017
Property Address	49 CHARLES ST, WESTMINSTER, MD 21157-5239
Document Number	0088660182
Book / Page	008866 / 000182
Instrument Date	Oct 27, 2017
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	SAFEGUARD TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1015 DUNHOLME RD REISTERSTOWN MD 211363501, REISTERSTOWN, MD 21136-3501

Tax Assessment & Valuation

The 2026 property tax bill for 49 Charles St was $4,016, up 8.3% 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	$4,016.00 (+8.28%)	$239,100 Land $72,300 Building $166,800	$239,100 Land $72,300 Building $166,800
2025	$3,709.00
2023	$3,112.00	$184,200 Land $62,300 Building $121,900	$184,200 Land $62,300 Building $121,900

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

Flood

FEMA maps place 49 Charles 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

Wildfire risk around 49 Charles St 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	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 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Quantum Internet & Telephone Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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