Carroll County property record for 517 Morelock Schoolhouse Rd, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,935 sqft · built 1963 |
| Lot Size | 2.38 acres (103,673 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Aug 2007) |
| Tax Bill | $3,708 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-005492 |
| Primary APN | 02-005492 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,935 sqft Total Area |
| Basement Area | 700 sqft |
| Finished Basement | 700 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 103,673 sqft (2.38 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 354 sqft |
| Deck Area | 720 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 005492 |
|---|---|
| Street Address | 517 MORELOCK SCHOOLHOUSE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-3729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT - 2.38 ACS 517 MORELOCKS SCH RD S OF FRIZZELBURG |
| Legal Subdivision | FRIZZELBURG |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 2, UNIONTOWN |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 502000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Individually Listed | Scott, Robert and Phyllis, House listed 2004 · 1 contributing resources · NRIS 04001377 |
|---|
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 | 517 MORELOCK SCHOOLHOUSE RD, WESTMINSTER, MD 21158-3729 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE CONNECT |
| Sep 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 1, 2018 | Loan Modification, Mortgage PNC BK |
| Nov 1, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jul 19, 2010 | Loan Modification, Mortgage · FHA Mortgage PNC MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 8, 2007 · Amount on Record |
| Deed Sale | Aug 8, 2007 · Amount on Record |
| Deed Document Number | 200770367 |
| Deed Book / Page | 5316 / 697 |
| Prior Transfer Date | Jul 23, 2007 |
| Prior Transfer Doc | 0053160697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 31, 2026 |
| Property Address | 517 MORELOCK SCHOOLHOUSE RD, WESTMINSTER, MD 21158-3729 |
| Document Number | 1185000335 |
| Book / Page | 11852 / 335 |
| Instrument Date | Jul 20, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 517 MORELOCK SCHOOLHOUSE RD, WESTMINSTER, MD 21158-3729 |
| Document Number | 1185000335, |
|---|---|
| Date | Aug 31, 2026 |
| Book Page | 11852/335 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 268 Months |
| Due | Dec 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 517 MORELOCK SCHOOLHOUSE RD, WESTMINSTER, MD 21158-3729 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2021 |
| Name | Verified Name |
|---|---|
| Address | 517 MORELOCK SCHOOLHOUSE RD, WESTMINSTER, MD 21158-3729 |
| Document Number | 0104650430 |
|---|---|
| Date | Sep 23, 2021 |
| Book Page | 10465/430 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 327 Months |
| Due | Dec 1, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 517 MORELOCK SCHOOLHOUSE RD, WESTMINSTER, MD 21158-3729 |
| Document Number | 0091910483 |
| Instrument Date | Nov 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 517 MORELOCK SCHOOLHOUSE RD WESTMINSTER MD 211583729, WESTMINSTER, MD 21158-3729 |
| Document Number | 0091910483 |
|---|---|
| Date | Dec 21, 2018 |
| Book Page | 009191/000483 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 20, 2048 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 517 MORELOCK SCHOOLHOUSE RD, WESTMINSTER, MD 21158-3729 |
| Document Number | 0091760166 |
| Instrument Date | Nov 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Brother and Sister |
| Address | 517 MORELOCK SCHOOLHOUSE RD WESTMINSTER MD 211583729, WESTMINSTER, MD 21158-3729 |
| Document Number | 0091760166 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 009176/000166 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 517 MORELOCK SCHOOLHOUSE RD, WESTMINSTER, MD 21158-3729 |
| Document Number | 0091160428 |
| Instrument Date | Jul 19, 2010 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 517 MORELOCK SCHOOLHOUSE RD WESTMINSTER MD 211583729, WESTMINSTER, MD 21158-3729 |
| Document Number | 0091160428 |
|---|---|
| Date | Sep 13, 2018 |
| Book Page | 009116/000428 |
| Name | PNC MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIAMISBURG, OH 45342 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Sep 12, 2040 |
| Rate | 4.5% |
|---|
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,708.00 (+5.22%) Homeowner's exemption | $389,000 (+10.38%) Land $138,800 Building $250,200 | $389,000 (-) Land $138,800 Building $250,200 |
| 2025 | $3,524.00 (+11.66%) Homeowner's exemption | $352,433 (+26.18%) | $389,000 (+39.28%) Land $138,800 Building $250,200 |
| 2023 | $3,156.00 Homeowner's exemption | $279,300 Land $138,800 Building $140,500 | $279,300 Land $138,800 Building $140,500 |
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 | 2 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Jul 2018 · rainfall accumulation |
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: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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