655 Downhill Dr, Westminster, MD 21157 Property Records

Carroll County property record for 655 Downhill Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,652 sqft · built 2003
Lot Size	0.999 acres (43,507 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Aug 2026)
Tax Bill	$5,796 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-137915`

Property Details

APN / Parcel Number

Primary APN	`07-137915`
Alternative APNs	`7137915` `137915`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,652 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,507 sqft (0.999 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	816 sqft
Porch	Slab
Porch Area	105 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	137915
Street Address	655 DOWNHILL DR
City	WESTMINSTER
State	MD
Zip	21157-7753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 32 - 43507 SF 655 DOWNHILL DR 42-189/1 SHARONS RIDGE SC 2
Legal Subdivision	SHARONS RDG SEC 2
Legal Lot Number	32
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1000
Census Tract	507702

Owner

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	655 DOWNHILL DR, WESTMINSTER, MD 21157-7753
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed, Transfer · Conventional Mortgage LOAN STORE
May 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARROLL COMMUNITY BANK
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARROLL CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	Feb 5, 2002 · Amount on Record
Deed Book / Page	11827 / 228
Transfer Doc	0000000817
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 5, 2026
Property Address	655 DOWNHILL DR, WESTMINSTER, MD 21157-7753
Document Number	1182000228
Book / Page	11827 / 228
Instrument Date	Jun 29, 2026
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	TERRAPIN TITLE, TERRAIN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	655 DOWNHILL DR, WESTMINSTER, MD 21157-7753

Mortgage

Document Number	1182000234,
Date	Aug 5, 2026
Book Page	11827/234

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	655 DOWNHILL DR, WESTMINSTER, MD 21157-7753
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0092870399
Date	May 10, 2019
Book Page	9287/0399

Lender

Name	CARROLL COMMUNITY BANK
Type	Bank
Address	SYKESVILLE, MD 21784

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	655 DOWNHILL DR, WESTMINSTER, MD 21157-7753
Document Number	0097260172
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	655 DOWNHILL DR WESTMINSTER MD 211577753, WESTMINSTER, MD 21157-7753

Mortgage

Document Number	0097260172
Date	Jun 18, 2020
Book Page	009726/000172

Lender

Name	CARROLL CMNTY BK
Type	Bank
Address	SYKESVILLE, MD 21784

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,796.00 (+5.55%) Homeowner's exemption	$601,700 (+9.81%) Land $140,000 Building $461,700	$601,700 (-) Land $140,000 Building $461,700
2025	$5,491.00 (+10.33%) Homeowner's exemption	$547,967 (+24.4%)	$601,700 (+36.59%) Land $140,000 Building $461,700
2023	$4,977.00 Homeowner's exemption	$440,500 Land $140,000 Building $300,500	$440,500 Land $140,000 Building $300,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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