Carroll County property record for 497 Lakes Ct, Westminster, MD 21158
| Property Type | Townhouse |
|---|---|
| Details | 2.5 ba · 1,160 sqft · built 1991 |
| Lot Size | 0.08 acres (3,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Feb 2022) |
| Tax Bill | $4,796 (2026) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-097522 |
| Primary APN | 07-097522 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,160 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,500 sqft (0.08 acres) |
| Deck Area | 180 sqft |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 097522 |
|---|---|
| Street Address | 497 LAKES CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-4140 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R-200 |
| Legal Description | LT 109 - 3500 SF 497 LAKES CT 28-188 AVONDALE RUN PH 1 |
| Legal Subdivision | AVONDALE RUN |
| Legal Phase | 1 |
| Legal Lot Number | 109 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 507703 |
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 | 497 LAKES CT, WESTMINSTER, MD 21158-4140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2022 | Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| Mar 3, 2017 | Quit Claim Deed, Mortgage · FHA Mortgage FLAGSTAR BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2022 · Amount on Record |
| Deed Sale | Feb 10, 2022 · Amount on Record |
| Prior Sale | Jul 13, 2015 · Amount on Record |
| Deed Book / Page | 10669 / 363 |
| Prior Transfer Date | Feb 18, 2017 |
| Prior Transfer Doc | 0086280152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Feb 10, 2022 |
| Property Address | 497 LAKES CT, WESTMINSTER, MD 21158-4140 |
| Document Number | 0106690363 |
| Book / Page | 10669 / 363 |
| Map Reference | MB 28 PL 188 |
| Instrument Date | Jan 21, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | BROADVIEW TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 497 LAKES CT, WESTMINSTER, MD 21158-4140 |
| Document Number | 0010669369 |
|---|---|
| Date | Feb 10, 2022 |
| Instrument | 10669/369 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Mar 3, 2017 |
| Property Address | 497 LAKES CT, WESTMINSTER, MD 21158-4140 |
| Document Number | 0086280152 |
| Book / Page | 008628 / 000152 |
| Instrument Date | Feb 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2017 |
| Title Company | CORE TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 497 LAKES CT WESTMINSTER MD 211584140, WESTMINSTER, MD 21158-4140 |
| Document Number | 86280157 |
|---|---|
| Date | Mar 3, 2017 |
| Book Page | 008628/000157 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 2, 2047 |
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 | $4,796.00 (+8.38%) | $285,500 (+8.38%) Land $80,000 Building $205,500 | $285,500 (-) Land $80,000 Building $205,500 |
| 2025 | $4,425.00 (+19.4%) | $263,433 (+20.12%) | $285,500 (+30.19%) Land $80,000 Building $205,500 |
| 2023 | $3,706.00 | $219,300 Land $80,000 Building $139,300 | $219,300 Land $80,000 Building $139,300 |
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 |
|---|---|
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 136 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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