Carroll County property record for 645 Hook Rd, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,456 sqft Total Area |
| Lot Size | 261,360 sqft (6 acres) |
| Garage | Detached, 1,064 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $175,000 (2024) |
| Tax Bill | $4,620.00 (2025) |
| Primary APN | 04-066960 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,456 sqft Total Area |
| Stories | 1 Stories |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 261,360 sqft (6 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 1,064 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 432 sqft Shed |
| Porch Area | 360 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 066960 |
|---|---|
| Street Address | 645 HOOK RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7220 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT - 6.00 ACS 645 HOOK RD S OF OGG SUMMIT |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 7, WESTMINSTER |
| Census Blockgroup | 3 |
| Census Block | 3011 |
| Census Tract | 507802 |
Source: Carroll County records · APN 04-066960
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 | Individual Name on File |
|---|---|
| Mailing Address | 645 HOOK RD, WESTMINSTER, MD 21157-7220 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 12, 2024 · Amount on Record |
| Deed Sale | Dec 12, 2024 · Amount on Record |
| Deed Book / Page | 11383 / 81 |
| Prior Transfer Date | Jul 15, 2024 |
| Prior Transfer Doc | 0112790192 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jul 01, 2026 |
| Property Address | 645 HOOK RD, WESTMINSTER, MD 21157-7220 |
| Document Number | 1180000137 |
| Book / Page | 11806 / 137 |
| Instrument Date | May 29, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 645 HOOK RD, WESTMINSTER, MD 21157-7220 |
| Document Number | 1180000137, |
|---|---|
| Date | Jul 01, 2026 |
| Book Page | 11806/137 |
| Name | E HOME LOANS |
|---|
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
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 | $440,733 (+5.51%) | $486,800 (+16.54%) Land $235,000 Building $251,800 | |
| 2025 | $4,620.00 (+10.5%) Homeowner's exemption | $417,700 (+12.88%) Land $195,000 Building $222,700 | $417,700 (-) Land $195,000 Building $222,700 |
| 2023 | $4,181.00 Homeowner's exemption | $370,033 | $417,700 Land $195,000 Building $222,700 |
645 Hook Rd is in FEMA Zone X (minimal flood hazard (unshaded X)), outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Carroll County (24013C), updated March 11, 2016
| FEMA Flood Zone | Zone X minimal flood hazard (unshaded X) |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024)
| 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 |
Lookups use the parcel center point against federal datasets; a lot that straddles a boundary may differ at its edges, and lenders make the official flood determination. Wildfire values come from a national model at roughly 900 ft resolution with fuels as of 2020 and describe conditions, not a forecast.
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