Carroll County property record for 495 Silver Ct, Westminster, MD 21158
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,208 sqft · built 1989 |
| Lot Size | 0.053 acres (2,300 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Oct 2009) |
| Tax Bill | $4,148 (2026) |
| Deeds & Mortgages | Jun 2017 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-104529 |
| Primary APN | 07-104529 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,208 sqft Total Area |
| Basement Area | 323 sqft |
| Finished Basement | 323 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,300 sqft (0.053 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 104529 |
|---|---|
| Street Address | 495 SILVER CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-9405 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD-4 |
| Legal Description | LT 125A - 2300 SQ FT SILVER CT 31-67 AMND FURNACE HILLS PLT B |
| Legal Subdivision | FURNACE HILLS B PH 3 |
| Legal Lot Number | 125A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 507704 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 495 SILVER CT, WESTMINSTER, MD 21158-9405 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NEW WINDSOR STATE BANK |
| Nov 19, 2020 | Deed of Trust, Mortgage · Conventional with PMI BAY CAP MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2009 · Amount on Record |
| Deed Sale | Oct 21, 2009 · Amount on Record |
| Prior Sale | May 23, 2002 · Amount on Record |
| Deed Document Number | 2009961 |
| Deed Book / Page | 6000 / 175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 495 SILVER CT, WESTMINSTER, MD 21158-9405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MARYLAND TITLE CENTER LLC |
| Name | Verified Name |
|---|
| Document Number | 0087280246 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 8728/0246 |
| Instrument | 8728-0246 |
| Name | NEW WINDSOR STATE BANK |
|---|---|
| Type | Bank |
| Address | TANEYTOWN, MD 21787 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 495 SILVER CT, WESTMINSTER, MD 21158-9405 |
| Document Number | 0099690372 |
| Instrument Date | Nov 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 495 SILVER CT WESTMINSTER MD 211589405, WESTMINSTER, MD 21158-9405 |
| Document Number | 0099690372 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 009969/000372 |
| Name | BAY CAP MTG |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 29, 2050 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,148.00 (+5.36%) Homeowner's exemption | $252,400 (+20.08%) Land $80,000 Building $172,400 | $252,400 (+20.08%) Land $80,000 Building $172,400 |
| 2025 | $3,937.00 (+10.84%) Homeowner's exemption | ||
| 2023 | $3,552.00 Homeowner's exemption | $210,200 Land $79,000 Building $131,200 | $210,200 Land $79,000 Building $131,200 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2012 · Hurricane Sandy |
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 | None beyond ember reach |
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 378 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 |
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