628 Upper Field Cir, Westminster, MD 21158 Property Records

Carroll County property record for 628 Upper Field Cir, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,476 sqft · built 2012
Lot Size	0.243 acres (10,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,000 (Dec 2015)
Tax Bill	$7,833 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-152329`

Property Details

APN / Parcel Number

Primary APN	`07-152329`
Alternative APN	`152329`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,476 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,602 sqft (0.243 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	152329
Street Address	628 UPPER FIELD CIR
City	WESTMINSTER
State	MD
Zip	21158-4441
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 124 - 0.2434 AC 628 UPPER FIELD CIR 48-2 VLG OF MEADOW CREEK SC 2
Legal Subdivision	MEADOW CREEK
Legal Lot Number	124
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2027
Census Tract	507500

Owner

Source: Carroll County records, as of August 18, 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	628 UPPER FIELD CIR, WESTMINSTER, MD 21158-4441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit VALON MORTGAGE INC
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HERITAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2015 · Amount on Record
Deed Sale	Dec 3, 2015 · Amount on Record
Prior Sale	Oct 31, 2011 · Amount on Record
Deed Book / Page	8167 / 383
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	628 UPPER FIELD CIR, WESTMINSTER, MD 21158-4441
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0115900430
Date	Oct 16, 2025
Book Page	11590/430

Lender

Name	VALON MORTGAGE INC
Type	Mortgage Company
Address	PHOENIX, AZ 85044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Aug 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	628 UPPER FIELD CIR, WESTMINSTER, MD 21158-4441
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103100326
Date	Jun 9, 2021
Book Page	10310/326

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$498,500 (+6.91%) Land $155,500 Building $343,000	$498,500 (-) Land $155,500 Building $343,000
2025	$7,833.00 (+15.33%)	$466,300 (+16.02%)	$498,500 (+24.04%) Land $155,500 Building $343,000
2023	$6,792.00	$401,900 Land $155,500 Building $246,400	$401,900 Land $155,500 Building $246,400

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	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	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 106 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
AT&T Fixed Wireless	100 / 20

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

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