522 Old Baltimore Rd, Westminster, MD 21157 Property Records

Carroll County property record for 522 Old Baltimore Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,269 sqft · built 1967
Lot Size	0.431 acres (18,753 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,363 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-035055`

Property Details

APN / Parcel Number

Primary APN	`07-035055`
Alternative APNs	`7035055` `035055`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,269 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	18,753 sqft (0.431 acres)
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	120 sqft
Patio Area	85 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	035055
Street Address	522 OLD BALTIMORE RD
City	WESTMINSTER
State	MD
Zip	21157-6219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT - 18753 SF 522 OLD BALTIMORE RD 4-5 HAROLD E STONER PLAT
Legal Subdivision	HAROLD MARYLAND
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2030
Census Tract	507602

Owner

522 Old Baltimore Rd is owned and occupied by two individuals who acquired it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	522 OLD BALTIMORE RD, WESTMINSTER, MD 21157-6219
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
Aug 3, 2020	Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Nov 20, 2017	Deed, Transfer · VA Mortgage 1ST PREFERENCE MORTGAGE CORP
Apr 12, 2017	Grant Deed, Transfer · Conventional with PMI CAPWEST HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020
Deed Sale	Aug 3, 2020
Prior Sale	Nov 20, 2017 · Amount on File
Deed Book / Page	9786 / 469
Last Transfer Date	Jun 17, 2025
Transfer Doc	0115060114
Record Updated	Oct 29, 2026

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Aug 3, 2020
Property Address	522 OLD BALTIMORE RD, WESTMINSTER, MD 21157-6219
Document Number	0097860469
Book / Page	9786 / 469
Instrument Date	Jul 31, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TITLE365

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	522 OLD BALTIMORE RD, WESTMINSTER, MD 21157-6219

Mortgage

Document Number	0009786475
Date	Aug 3, 2020
Instrument	9786/475

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 20, 2017
Property Address	522 OLD BALTIMORE RD, WESTMINSTER, MD 21157-6219
Document Number	0088690408
Book / Page	8869 / 0408
Map Reference	LB8659 FO310
Instrument Date	Oct 23, 2017
Instrument	8869-0408
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	LAKESIDE TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	522 OLD BALTIMORE RD, WESTMINSTER, MD 21157-6219

Mortgage

Document Number	88690414
Date	Nov 20, 2017
Instrument	8869-0414

Lender

Name	1ST PREFERENCE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 12, 2017
Property Address	522 OLD BALTIMORE RD, WESTMINSTER, MD 21157-6219
Document Number	0086590310
Book / Page	008659 / 000310
Instrument Date	Feb 21, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	SILK ABSTRACT COMPANY, SILK ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	78918 WATERFORD LN PALM DESERT CA 922111586, PALM DESERT, CA 92211-1586

Mortgage

Document Number	86590317
Date	Apr 12, 2017
Book Page	008659/000317

Lender

Name	CAPWEST HM LNS
Address	IRVINE, CA 92618

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 522 Old Baltimore Rd was $3,363 with a homeowner's exemption, up 5.1% 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	$3,363.00 (+5.09%) Homeowner's exemption	$325,200 (+5.95%) Land $97,400 Building $227,800	$325,200 (-) Land $97,400 Building $227,800
2025	$3,200.00 Homeowner's exemption	$306,933	$325,200 Land $97,400 Building $227,800
2023	$3,055.00 Homeowner's exemption	$270,400 Land $97,400 Building $173,000	$270,400 Land $97,400 Building $173,000

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

Flood

FEMA maps place 522 Old Baltimore Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 Claims	2 (1979–1981)
Most Recent Claim	Oct 1981 · 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.

Wildfire

Wildfire risk around 522 Old Baltimore Rd 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.

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