613 Mel Ct, Westminster, MD 21158 Property Records

Carroll County property record for 613 Mel Ct, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,478 sqft · built 2003
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$472,000 (Jun 2017)
Tax Bill	$6,725 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-147457`

Property Details

APN / Parcel Number

Primary APN	`07-147457`
Alternative APN	`147457`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,478 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	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	435 sqft
Gazebo	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	147457
Street Address	613 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 7 - 1.000 ACS 613 MEL CT 47-80/81 JACOBS RIDGE 1
Legal Subdivision	JACOBS RDG 01
Legal Lot Number	7
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2004
Census Tract	507500

Owner

613 Mel Ct is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	613 MEL CT, WESTMINSTER, MD 21158-3061
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
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Jun 6, 2017	Deed, Transfer · FHA Mortgage PRESIDENTIAL BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2017 · Amount on File
Deed Sale	Jun 6, 2017 · Amount on File
Prior Sale	Sep 10, 2004 · Amount on File
Deed Document Number	20178707-0292
Deed Book / Page	8707 / 292
Transfer Doc	0041670146
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	613 MEL CT, WESTMINSTER, MD 21158-3061
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	UNKNOWN, RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0115910142
Date	Oct 17, 2025
Book Page	11591/142

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	613 MEL CT, WESTMINSTER, MD 21158-3061
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	MARYLAND TTL WORKS UNLIMITD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094080373
Date	Sep 13, 2019
Book Page	9408/0373

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 6, 2017
Property Address	613 MEL CT, WESTMINSTER, MD 21158-3061
Document Number	0087070292
Book / Page	8707 / 0292
Map Reference	MB47 PG81
Instrument Date	May 30, 2017
Instrument	8707-0292
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,720.00
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	613 MEL CT, WESTMINSTER, MD 21158-3061

Mortgage

Document Number	0087070299
Date	Jun 6, 2017
Instrument	8707-0299

Lender

Name	PRESIDENTIAL BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 613 Mel Ct was $6,725 with a homeowner's exemption, up 4.9% 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	$6,725.00 (+4.95%) Homeowner's exemption	$598,400 (+4.95%) Land $160,000 Building $438,400	$598,400 (-) Land $160,000 Building $438,400
2025	$6,408.00 Homeowner's exemption	$570,200	$598,400 Land $160,000 Building $438,400
2023	$5,805.00 Homeowner's exemption	$513,800 Land $160,000 Building $353,800	$513,800 Land $160,000 Building $353,800

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

Flood

FEMA maps place 613 Mel Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 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

Wildfire risk around 613 Mel 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	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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