491 Tracy Ct, Westminster, MD 21157 Property Records

Carroll County property record for 491 Tracy Ct, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,916 sqft · built 1990
Lot Size	0.641 acres (27,921 sqft)
Owner	2 Individual Names on Record
Last Sale	$338,500 (Aug 2019)
Tax Bill	$5,096 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-098677`

Property Details

APN / Parcel Number

Primary APN	`07-098677`
Alternative APNs	`7098677` `098677`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,916 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	27,921 sqft (0.641 acres)
Porch	Slab
Porch Area	120 sqft
Deck Area	286 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	098677
Street Address	491 TRACY CT
City	WESTMINSTER
State	MD
Zip	21157-6420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 98 - 27921 SF 491 TRACY CT 29-69 SC 5 CHAZADALE NORTH PLT B
Legal Subdivision	CHAZDALE NORTH
Legal Lot Number	98
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3002
Census Tract	507602

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	2 Individual Names on Record
Mailing Address	491 TRACY CT, WESTMINSTER, MD 21157-6420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on Record
Deed Sale	Aug 14, 2019 · Amount on Record
Prior Sale	Jun 4, 1993 · Amount on Record
Deed Book / Page	9375 / 163
Record Updated	Oct 29, 2026

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 14, 2019
Property Address	491 TRACY CT, WESTMINSTER, MD 21157-6420
Document Number	0093750163
Book / Page	9375 / 0163
Map Reference	MB 29 FO 69
Instrument Date	Aug 9, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	HOMELAND TITLE & ESCROW LTD

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	491 TRACY CT, WESTMINSTER, MD 21157-6420

Mortgage

Document Number	0009375169
Date	Aug 14, 2019
Instrument	9375/169

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,096.00 (+9.5%)	$449,700 (+35.7%) Land $111,100 Building $338,600	$449,700 (+35.7%) Land $111,100 Building $338,600
2025	$4,654.00 (+24.31%)
2023	$3,744.00	$331,400 Land $111,100 Building $220,300	$331,400 Land $111,100 Building $220,300

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1996–2018)
Most Recent Claim	Jul 2018 · 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20