Carroll County property record for 51 Union St, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 944 sqft · built 1890 |
| Lot Size | 0.093 acres (4,047 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $229,900 (Sep 2025) |
| Tax Bill | $2,227 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-055382 |
| Primary APN | 07-055382 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 944 sqft Total Area |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Other |
| Roof Material | Metal |
| Lot Area | 4,047 sqft (0.093 acres) |
| Lot Dimensions | 181 ft deep x 22 ft wide |
| Porch | Slab |
| Porch Area | 56 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 055382 |
|---|---|
| Street Address | 51 UNION ST |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-4507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-750 |
| Legal Description | LT. 4047 SF 51 UNION ST WESTMINSTER |
| Legal Subdivision | WESTMINSTER |
| Legal Lot Number | 51 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 507500 |
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.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 51 UNION ST, WESTMINSTER, MD 21157-4507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 25, 2025 | Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC |
| May 10, 2023 | Deed, Transfer · Commercial Mortgage BERNARD CAPLAN |
| Jan 6, 2023 | Public Action, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on Record |
| Deed Sale | Sep 25, 2025 · Amount on Record |
| Prior Sale | Aug 15, 2024 · Amount on Record |
| Deed Book / Page | 11576 / 237 |
| Prior Transfer Date | Dec 30, 2022 |
| Prior Transfer Doc | 0109590333 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 25, 2025 |
| Property Address | 51 UNION ST, WESTMINSTER, MD 21157-4507 |
| Document Number | 0115760237 |
| Book / Page | 11576 / 237 |
| Instrument Date | Sep 12, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2025 |
| Title Company | RESIDENTIAL TITLE AND ESCROW INC, RESULTS TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $574.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 51 UNION ST, WESTMINSTER, MD 21157-4507 |
| Document Number | 0011576244 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 11576/244 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 10, 2023 |
| Property Address | 51 UNION ST, WESTMINSTER, MD 21157-4507 |
| Document Number | 0110280463 |
| Book / Page | 11028 / 463 |
| Instrument Date | Feb 3, 2023 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2023 |
| Title Company | DULANEY TITLE AND ESCROW LLC, DULANEY TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 51 UNION ST, WESTMINSTER, MD 21157-4507 |
| Name | Verified Name |
|---|
| Document Number | 0110280467 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 11028-0467 |
| Name | BERNARD CAPLAN |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Public Action |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jan 6, 2023 |
| Property Address | 51 UNION ST, WESTMINSTER, MD 21157-4507 |
| Document Number | 0109590333 |
| Book / Page | 10959 / 333 |
| Map Reference | LB 561 FO 324 |
| Instrument Date | Dec 30, 2022 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 26, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $88.03 |
| Amount Accuracy | Tax Sale |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 201 W LAKE ST # 165, 165, CHICAGO, IL 60606-0239 |
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 | $2,227.00 (+7.12%) | $132,600 (+7.14%) Land $67,300 Building $65,300 | $132,600 (-) Land $67,300 Building $65,300 |
| 2025 | $2,079.00 (+15.95%) Homeowner's exemption | $123,767 (+16.65%) | $132,600 (+24.98%) Land $67,300 Building $65,300 |
| 2023 | $1,793.00 | $106,100 Land $57,300 Building $48,800 | $106,100 Land $57,300 Building $48,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 11, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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 | 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 240 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 |
| AT&T Fixed Wireless | 100 / 20 |
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