644 Oak Tree Rd, Westminster, MD 21157 Property Records

Carroll County property record for 644 Oak Tree Rd, Westminster, MD 21157 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Architecture Style	Split Foyer
Year Built	Built 1978
Square Footage	1,232 sqft Total Area
Lot Size	21,997 sqft (0.505 acres)
Occupancy	Owner Occupied
Last Sale	$380,000 (2022)
Tax Bill	$3,889.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`14-018808`
Alternative APN	`018808`

Interior

Full Baths	2 Baths
Partial Baths	1 Partial Baths
Building Area	1,232 sqft Total Area
Basement Area	1,000 sqft Basement
Finished Basement	1,000 sqft Finished
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Foyer Style
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	21,997 sqft (0.505 acres)
Deck Area	264 sqft Deck

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	018808
Street Address	644 OAK TREE RD
City	WESTMINSTER
State	MD
Zip	21157-8212
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT 2 - 21997 SQ FT 644 OAK TREE RD 11-15 SE ELBEEKAY FARMS
Legal Subdivision	ELBEEKAY FARMS SEC 01
Legal Lot Number	2
Jurisdiction	CARROLL MD
Minor Civil Division	14, BERRETT
Census Blockgroup	2
Census Block	2003
Census Tract	514100

Owner

Source: Carroll County records · APN 14-018808

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	644 OAK TREE RD, WESTMINSTER, MD 21157-8212
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 28, 2022 · Amount on Record
Deed Sale	Mar 28, 2022 · Amount on Record
Prior Sale	Aug 30, 1985 · Amount on Record
Deed Book / Page	10721 / 376
Record Refreshed	Sep 20, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 28, 2022
Property Address	644 OAK TREE RD, WESTMINSTER, MD 21157-8212
Document Number	0107210376
Book / Page	10721 / 376
Map Reference	MB 11 FO 15
Instrument Date	Mar 18, 2022
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	644 OAK TREE RD, WESTMINSTER, MD 21157-8212

Mortgage

Document Number	0010721382
Date	Mar 28, 2022
Instrument	10721/382

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

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		$423,500 (+40.92%)	$473,200 (+46%) Land $180,300 Building $292,900
2025	$3,889.00 (+14.52%) Homeowner's exemption
2023	$3,396.00	$300,533	$324,100 Land $160,200 Building $163,900

Flood & Wildfire

644 Oak Tree Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Carroll County (24013C), updated March 11, 2016

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 41st in Maryland
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.