Carroll County property record for 646 Oak Tree Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,732 sqft · built 1984 |
| Lot Size | 0.505 acres (21,997 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $89,900 (Jun 1985) |
| Tax Bill | $4,342 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-018794 |
| Primary APN | 14-018794 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,732 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 21,997 sqft (0.505 acres) |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 40 sqft |
| Deck Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 018794 |
|---|---|
| Street Address | 646 OAK TREE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-8212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT 1 - 21997 SQ FT OAK TREE RD 11-15 SEC 1 ELBEEKAY FARMS |
| Legal Subdivision | ELBEEKAY FARMS SEC 01 |
| Legal Lot Number | 1 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 14, BERRETT |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 514100 |
Source: Carroll County records, as of October 20, 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 | 646 OAK TREE RD, WESTMINSTER, MD 21157-8212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 1985 · Amount on Record |
| Deed Sale | Jun 25, 1985 · Amount on Record |
| Prior Sale | May 7, 1984 · Amount on Record |
| Deed Book / Page | 908 / 25 |
| Record Updated | Oct 29, 2026 |
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,342.00 (+6.5%) | $382,400 (+26.46%) | $406,100 (+21.22%) Land $180,300 Building $225,800 |
| 2025 | $4,077.00 (+19.32%) | ||
| 2023 | $3,417.00 | $302,400 | $335,000 Land $160,200 Building $174,800 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2024 · other causes |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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