636 Oak Tree Rd, Westminster, MD 21157 Property Records

Carroll County property record for 636 Oak Tree Rd, Westminster, MD 21157 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,134 sqft · built 1973
Lot Size	0.505 acres (21,986 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jun 2023)
Tax Bill	$3,689 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-018824`

Property Details

APN / Parcel Number

Primary APN	`14-018824`
Alternative APN	`018824`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,134 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,986 sqft (0.505 acres)
Deck Area	176 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	018824
Street Address	636 OAK TREE RD
City	WESTMINSTER
State	MD
Zip	21157-8212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 - 21986 SF 636 OAK TREE RD 11-15 ELBEEKAY FARM SC 1
Legal Subdivision	ELBEEKAY FARMS SEC 01
Legal Lot Number	4
Jurisdiction	CARROLL MD
Township / Civil Division	14, BERRETT
Census Block Group	2
Census Block	2003
Census Tract	514100

Owner

Source: Carroll County records · APN 14-018824

Assessment roll updated August 5, 2025 · Last verified August 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 File
Mailing Address	636 OAK TREE RD, WESTMINSTER, MD 21157-8212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2023	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 10, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2023 · Amount on Record
Deed Sale	Jun 08, 2023 · Amount on Record
Prior Sale	Jan 10, 2017 · Amount on Record
Deed Book / Page	11046 / 301
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 08, 2023
Property Address	636 OAK TREE RD, WESTMINSTER, MD 21157-8212
Document Number	0110460301
Book / Page	11046 / 301
Map Reference	MB 11 FO 15
Instrument Date	May 30, 2023
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	636 OAK TREE RD, WESTMINSTER, MD 21157-8212

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110460308
Date	Jun 08, 2023
Instrument	11046-0308

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2053

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 10, 2017
Property Address	636 OAK TREE RD, WESTMINSTER, MD 21157-8212
Document Number	0085770015
Book / Page	008577 / 000015
Instrument Date	Dec 15, 2016
Transaction Type	Transfer
Record Updated	Mar 06, 2017
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	636 OAK TREE RD WESTMINSTER MD 211578212, WESTMINSTER, MD 21157-8212

Mortgage

Document Number	85770021
Date	Jan 10, 2017
Book Page	008577/000021

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 09, 2047

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$370,900 (+45.83%)	$417,700 (+50.63%) Land $180,200 Building $237,500
2025	$3,689.00 (+28.4%)
2023	$2,873.00 (+9.91%)	$254,333 (+9.93%)	$277,300 (-) Land $160,100 Building $117,200
2022	$2,614.00	$231,367	$277,300 Land $160,100 Building $117,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135141002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2024, other causes

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 24 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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