49 James St, Westminster, MD 21157 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,697 sqft · built 1962
Lot Size	0.423 acres (18,408 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Sep 2010)
Tax Bill	$4,648 (2026)
Deeds & Mortgages	Aug 2021 Second Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-066309`

Property Details

APN / Parcel Number

Primary APN	`07-066309`
Alternative APNs	`7066309` `066309`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,697 sqft Total Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	18,408 sqft (0.423 acres)
Lot Dimensions	153 ft deep x 60 ft wide
Porch	Slab
Porch Area	78 sqft
Deck Area	264 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	066309
Street Address	49 JAMES ST
City	WESTMINSTER
State	MD
Zip	21157-4833
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT 23 - 18408 SF 49 JAMES ST 3-16 KEMPER & SHIPLEY ADD
Legal Subdivision	SHIPLEY ADD
Legal Lot Number	23
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3021
Census Tract	507601

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

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 Record
Mailing Address	49 JAMES ST, WESTMINSTER, MD 21157-4833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL FCU OF MARYLAND
Nov 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
May 18, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2010 · Amount on Record
Deed Sale	Sep 23, 2010 · Amount on Record
Prior Sale	Sep 23, 2010 · Amount on Record
Deed Document Number	2010655
Deed Book / Page	6304 / 326
Last Transfer Date	May 16, 2022
Transfer Doc	1077000066
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	49 JAMES ST, WESTMINSTER, MD 21157-4833
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0103990151
Date	Aug 10, 2021
Book Page	10399/151

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 31, 2031

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	49 JAMES ST, WESTMINSTER, MD 21157-4833
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	NOT AVAILABLE, BCHH

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0105380267
Date	Nov 2, 2021
Book Page	10538/267

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	49 JAMES ST, WESTMINSTER, MD 21157-4833
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097520278
Date	Jul 8, 2020
Book Page	9752/278

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2040

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	May 18, 2022
Property Address	49 JAMES ST, WESTMINSTER, MD 21157-4833
Document Number	0107790066
Book / Page	10779 / 66
Instrument Date	May 16, 2022
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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	$4,648.00 (+6.05%) Homeowner's exemption	$314,100 (+35.27%) Land $85,500 Building $228,600	$314,100 (+35.27%) Land $85,500 Building $228,600
2025	$4,383.00 (+11.7%) Homeowner's exemption
2023	$3,924.00 (+51.33%) Homeowner's exemption	$232,200 (+1.18%) Land $85,500 Building $146,700	$232,200 (-) Land $85,500 Building $146,700
2022	$2,593.00 Homeowner's exemption	$229,500	$232,200 Land $85,500 Building $146,700

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

Flood

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 (1990–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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 292 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
AT&T Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone, Verizon.

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