509 Ann Dr, Westminster, MD 21157 Property Records

Carroll County property record for 509 Ann Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,280 sqft · built 1962
Lot Size	0.245 acres (10,651 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jun 2026)
Tax Bill	$2,777 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-018460`

Property Details

APN / Parcel Number

Primary APN	`07-018460`
Alternative APNs	`7018460` `018460`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,280 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	10,651 sqft (0.245 acres)
Porch	Slab
Porch Area	64 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	018460
Street Address	509 ANN DR
City	WESTMINSTER
State	MD
Zip	21157-6203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 4 - 10651 SQ FT 509 ANN DR 4-24 PINE KNOLL DEVELOPMENT
Legal Subdivision	PINE KNOLL DEV
Legal Lot Number	4
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3001
Census Tract	507802

Owner

509 Ann Dr is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	509 ANN DR, WESTMINSTER, MD 21157-6203
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Deed Book / Page	11795 / 450
Prior Transfer Date	Apr 27, 2012
Prior Transfer Doc	0069020276
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 18, 2026
Property Address	509 ANN DR, WESTMINSTER, MD 21157-6203
Document Number	1179000450
Book / Page	11795 / 450
Instrument Date	Jun 18, 2026
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	DISCOVERY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$383,800.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	509 ANN DR, WESTMINSTER, MD 21157-6203

Mortgage

Document Number	1179000457,
Date	Jun 18, 2026
Book Page	11795/457

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 509 Ann Dr was $2,777, up 9.8% from the year before.

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	$2,777.00 (+9.81%)	$248,000 (+9.83%) Land $90,500 Building $157,500	$248,000 (-) Land $90,500 Building $157,500
2025	$2,529.00	$225,800	$248,000 Land $90,500 Building $157,500
2023	$2,049.00	$181,400 Land $90,500 Building $90,900	$181,400 Land $90,500 Building $90,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 509 Ann Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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 (2015–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2024 · other causes

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

Wildfire risk around 509 Ann Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Ting, Verizon.

Nearby Properties on Ann Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures