609 Mel Ct, Westminster, MD 21158 Property Records

Carroll County property record for 609 Mel Ct, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,171 sqft · built 2003
Lot Size	1.01 acres (44,039 sqft)
Owner	2 Individual Names on Record
Last Sale	$529,727 (Sep 2003)
Tax Bill	$7,615 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-147473`

Property Details

APN / Parcel Number

Primary APN	`07-147473`
Alternative APN	`147473`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,171 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	44,039 sqft (1.01 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	147473
Street Address	609 MEL CT
City	WESTMINSTER
State	MD
Zip	21158-3061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 9 - 1.0106 ACS 609 MEL CT 47-80/81 JACOBS RIDGE 1
Legal Subdivision	JACOBS RDG 01
Legal Lot Number	9
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2004
Census Tract	507500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	609 MEL CT, WESTMINSTER, MD 21158-3061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 26, 2020	Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC
Aug 3, 2021	Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2003 · Amount on Record
Deed Sale	Sep 3, 2003 · Amount on Record
Prior Sale	Jan 15, 2003 · Amount on Record
Deed Document Number	2003930
Deed Book / Page	3618 / 688
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	609 MEL CT, WESTMINSTER, MD 21158-3061
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 MEL CT, WESTMINSTER, MD 21158-3061

Mortgage

Document Number	0115910500
Date	Oct 20, 2025
Book Page	11591/500

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	609 MEL CT, WESTMINSTER, MD 21158-3061
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0097380325
Date	Jun 26, 2020
Book Page	9738/325

Lender

Name	PRIME CHOICE FUNDING INC
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	609 MEL CT, WESTMINSTER, MD 21158-3061
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103900256
Date	Aug 3, 2021
Book Page	10390/256

Lender

Name	PRIME CHOICE FUNDING INC
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2051

Tax Assessment & Valuation

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	$7,615.00 (+4.98%) Homeowner's exemption	$682,700 (+17.3%) Land $160,100 Building $522,600	$682,700 (+17.3%) Land $160,100 Building $522,600
2025	$7,254.00 (+10.31%) Homeowner's exemption
2023	$6,576.00 Homeowner's exemption	$582,000 Land $160,100 Building $421,900	$582,000 Land $160,100 Building $421,900

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

Flood

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	2 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Feb 1979 · tidal / storm surge

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Quantum Internet & Telephone, Ting.

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