Carroll County property record for 647 Oak Tree Rd, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,532 sqft · built 1966 |
| Lot Size | 1.23 acres (53,579 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Mar 2003) |
| Tax Bill | $4,760 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-028447 |
| Primary APN | 14-028447 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,532 sqft Total Area |
| Basement Area | 204 sqft |
| Finished Basement | 204 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 53,579 sqft (1.23 acres) |
| Garage Type | Carport |
| Garage Area | 364 sqft |
| Carport | Carport |
| Carport Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 56 sqft |
| Deck Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 028447 |
|---|---|
| Street Address | 647 OAK TREE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-8211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AGRIC |
| Legal Description | LT - 1.23 ACS SE/S OAK TREE RD SE OF BLOOM |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 14, BERRETT |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 514100 |
647 Oak Tree Rd is owned and occupied by an individual who bought it in March 2003.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 647 OAK TREE RD, WESTMINSTER, MD 21157-8211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2003 · Amount on File |
| Deed Sale | Mar 18, 2003 · Amount on File |
| Prior Sale | Apr 10, 2000 · Amount on File |
| Deed Document Number | 200324456 |
| Deed Book / Page | 3306 / 597 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 647 OAK TREE RD, WESTMINSTER, MD 21157-8211 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 647 OAK TREE RD, WESTMINSTER, MD 21157-8211 |
| Document Number | 0107430381 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 10743/381 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 356 Months |
| Due | Dec 1, 2051 |
The 2026 property tax bill for 647 Oak Tree Rd was $4,760 with a homeowner's exemption, up 5.1% from the year before.
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 | $4,760.00 (+5.05%) Homeowner's exemption | $430,867 | $456,500 Land $202,300 Building $254,200 |
| 2025 | $4,531.00 Homeowner's exemption | ||
| 2023 | $4,129.00 Homeowner's exemption | $365,467 | $379,600 Land $182,300 Building $197,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 647 Oak Tree Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.
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.
Wildfire risk around 647 Oak Tree Rd is low, with a 0.01% annual chance of wildfire.
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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