520 Lakes Ct, Westminster, MD 21158 Property Records

Carroll County property record for 520 Lakes Ct, Westminster, MD 21158

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,172 sqft · built 1990
Lot Size	0.08 acres (3,500 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Oct 2017)
Tax Bill	$4,400 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Nov 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-097255`

Property Details

APN / Parcel Number

Primary APN	`07-097255`
Alternative APNs	`7097255` `097255`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,172 sqft Total Area
Basement Area	300 sqft
Finished Basement	300 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,500 sqft (0.08 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	097255
Street Address	520 LAKES CT
City	WESTMINSTER
State	MD
Zip	21158-4198
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-200
Legal Description	LT 86A - 3500 SF 520 LAKES CT 33-14 AVONDALE RUN AMND PH 1
Legal Subdivision	AVONDALE RUN
Legal Phase	1
Legal Lot Number	86A
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1019
Census Tract	507703

Owner

520 Lakes Ct, a townhouse, is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 LAKES CT, WESTMINSTER, MD 21158-4198
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 6, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Nov 8, 2017	Quit Claim Deed, Transfer SAGE TITLE GROUP LLC
Oct 6, 2017	Deed, Transfer · ARM STATE EMPLOYEES CU OF MARYLAND INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2017 · Amount on File
Deed Sale	Oct 6, 2017 · Amount on File
Prior Sale	Apr 20, 2004 · Amount on File
Deed Document Number	20178826-0311
Deed Book / Page	8826 / 311
Prior Transfer Date	Oct 2, 2017
Prior Transfer Doc	0088260311
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	520 LAKES CT, WESTMINSTER, MD 21158-4198
Transaction Type	Mortgage
Record Updated	Mar 22, 2024
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 LAKES CT, WESTMINSTER, MD 21158-4198

Mortgage

Document Number	0112040095
Date	Mar 6, 2024
Book Page	11204/95

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 8, 2017
Property Address	520 LAKES CT, WESTMINSTER, MD 21158-4198
Document Number	0088580430
Book / Page	008858 / 000430
Instrument Date	Oct 2, 2017
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	SAGE TITLE GROUP LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 LAKES CT WESTMINSTER MD 211584198, WESTMINSTER, MD 21158-4198

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 6, 2017
Property Address	520 LAKES CT, WESTMINSTER, MD 21158-4198
Document Number	0088260311
Book / Page	8826 / 0311
Map Reference	MB33 FRO14
Instrument Date	Oct 2, 2017
Instrument	8826-0311
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 LAKES CT, WESTMINSTER, MD 21158-4198

Mortgage

Document Number	0088260316
Date	Oct 6, 2017
Instrument	8826-0316

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	9.37%

Tax Assessment & Valuation

The 2026 property tax bill for 520 Lakes Ct was $4,400 with a homeowner's exemption, up 5.8% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,400.00 (+5.82%) Homeowner's exemption	$274,500 (+6.96%) Land $80,000 Building $194,500	$274,500 (-) Land $80,000 Building $194,500
2025	$4,158.00 Homeowner's exemption	$256,633	$274,500 Land $80,000 Building $194,500
2023	$3,733.00 Homeowner's exemption	$220,900 Land $80,000 Building $140,900	$220,900 Land $80,000 Building $140,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 520 Lakes Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
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.

Wildfire

Wildfire risk around 520 Lakes Ct 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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 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

May also be available: Quantum Internet & Telephone.

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