Carroll County property record for 643 Spring Meadow Dr, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,396 sqft · built 2005 |
| Lot Size | 0.239 acres (10,402 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $601,315 (Jan 2006) |
| Tax Bill | $9,875 (2025) |
| Deeds & Mortgages | Sep 2025 Second Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-149301 |
| Primary APN | 07-149301 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,396 sqft Total Area |
| Basement Area | 1,676 sqft |
| Finished Basement | 1,676 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,402 sqft (0.239 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 32 sqft |
| Deck Area | 304 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 149301 |
|---|---|
| Street Address | 643 SPRING MEADOW DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-4432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-100 |
| Legal Description | LT 67-10402 SF 643 SPRING MEADOW DR 48 VILL OF MEADOW CK PL5 S |
| Legal Subdivision | VILLAGE MDW CRK 01 SEC 01 |
| Legal Lot Number | 67 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 507500 |
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 | 643 SPRING MEADOW DR, WESTMINSTER, MD 21158-4432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC |
| Sep 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2006 · Amount on Record |
| Deed Sale | Jan 9, 2006 · Amount on Record |
| Prior Sale | Sep 13, 2005 · Amount on Record |
| Deed Document Number | 200652739 |
| Deed Book / Page | 4727 / 356 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 643 SPRING MEADOW DR, WESTMINSTER, MD 21158-4432 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0115660254 |
|---|---|
| Date | Sep 12, 2025 |
| Book Page | 11566/254 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 643 SPRING MEADOW DR, WESTMINSTER, MD 21158-4432 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | VENUS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0099270496 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 9927/496 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08002 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 643 SPRING MEADOW DR, WESTMINSTER, MD 21158-4432 |
| Document Number | 0088270451 |
| Book / Page | 008827 / 000451 |
| Instrument Date | Sep 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2017 |
| Title Company | JANUS TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 643 SPRING MEADOW DR WESTMINSTER MD 211584432, WESTMINSTER, MD 21158-4432 |
| Document Number | 0088270451 |
|---|---|
| Date | Oct 6, 2017 |
| Book Page | 008827/000451 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 5, 2032 |
Source: Carroll County assessment roll, as of August 5, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $667,400 (+28.2%) Land $155,300 Building $512,100 | $667,400 (+28.2%) Land $155,300 Building $512,100 | |
| 2025 | $9,875.00 (+12.24%) Homeowner's exemption | ||
| 2023 | $8,798.00 Homeowner's exemption | $520,600 Land $155,300 Building $365,300 | $520,600 Land $155,300 Building $365,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 252 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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