Carroll County property record for 647 Windsor Dr, Westminster, MD 21158
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,208 sqft · built 1996 |
| Lot Size | 0.058 acres (2,526 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $352,500 (Aug 2026) |
| Tax Bill | $4,117 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-123698 |
| Primary APN | 07-123698 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,208 sqft Total Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,526 sqft (0.058 acres) |
| Deck Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 123698 |
|---|---|
| Street Address | 647 WINDSOR DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-9440 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | PD-4 |
| Legal Description | LT 294- 2532 SF (0.0 647 WINDSOR DR 37-134/13 FURNACE HILLS SC 2 |
| Legal Subdivision | FURNACE HILLS SEC 02 |
| Legal Lot Number | 294 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 507704 |
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 647 WINDSOR DR, WESTMINSTER, MD 21158-9440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 13, 2026 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 18, 2025 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2026 · Amount on Record |
| Deed Sale | Aug 13, 2026 · Amount on Record |
| Prior Sale | Dec 18, 2025 · Amount on Record |
| Deed Book / Page | 11835 / 272 |
| Transfer Doc | 0000004572 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 13, 2026 |
| Property Address | 647 WINDSOR DR, WESTMINSTER, MD 21158-9440 |
| Document Number | 1183000272 |
| Book / Page | 11835 / 272 |
| Instrument Date | Jul 24, 2026 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $356,025.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 647 WINDSOR DR, WESTMINSTER, MD 21158-9440 |
| Investor | Possibly a Property Investor |
| Document Number | 1183000280, |
|---|---|
| Date | Aug 13, 2026 |
| Book Page | 11835/280 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 18, 2025 |
| Property Address | 647 WINDSOR DR, WESTMINSTER, MD 21158-9440 |
| Document Number | 0116470193 |
| Book / Page | 11647 / 193 |
| Map Reference | MB 38 FO 21 |
| Instrument Date | Nov 17, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4018 GRAVE RUN RD, MANCHESTER, MD 21102-2219 |
| Document Number | 0011647198 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 11647/198 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
Source: Carroll County assessment roll, as of September 8, 2026
| 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 | $4,117.00 (+7.49%) | $245,100 (+5.83%) Land $80,000 Building $165,100 | $245,100 (-) Land $80,000 Building $165,100 |
| 2025 | $3,830.00 (+10.79%) Homeowner's exemption | $231,600 (+13.2%) | $245,100 (+19.79%) Land $80,000 Building $165,100 |
| 2023 | $3,457.00 (+54.12%) Homeowner's exemption | $204,600 (+3.04%) Land $79,000 Building $125,600 | $204,600 (-) Land $79,000 Building $125,600 |
| 2022 | $2,243.00 Homeowner's exemption | $198,567 | $204,600 Land $79,000 Building $125,600 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2012 · Hurricane Sandy |
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 378 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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