655 Friendship Rd, Westminster, MD 21157 Property Records

Carroll County property record for 655 Friendship Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,214 sqft · built 1993
Lot Size	0.251 acres (10,952 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Dec 2019)
Tax Bill	$5,177 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-116373`

Property Details

APN / Parcel Number

Primary APN	`07-116373`
Alternative APNs	`7116373` `116373`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,214 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,952 sqft (0.251 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	116373
Street Address	655 FRIENDSHIP RD
City	WESTMINSTER
State	MD
Zip	21157-7264
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 17 - 10952 SF 655 FRIENDSHIP RD 34-135 POOLE MEADOWS SC 1
Legal Subdivision	SECTION ONE POOLE MEADOWS
Legal Lot Number	17
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3008
Census Tract	507802

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 FRIENDSHIP RD, WESTMINSTER, MD 21157-7264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 23, 2019	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Prior Sale	Mar 18, 2016 · Amount on Record
Deed Book / Page	9518 / 54
Prior Transfer Date	Mar 9, 2015
Prior Transfer Doc	0080190175
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	655 FRIENDSHIP RD, WESTMINSTER, MD 21157-7264
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110060338
Date	Apr 4, 2023
Book Page	11006/338

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 31, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	655 FRIENDSHIP RD, WESTMINSTER, MD 21157-7264
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100550305
Date	Jan 15, 2021
Book Page	10055/305

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Nov 1, 2049

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 23, 2019
Property Address	655 FRIENDSHIP RD, WESTMINSTER, MD 21157-7264
Document Number	0095180054
Book / Page	9518 / 0054
Map Reference	MB 34 FO 135
Instrument Date	Dec 16, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	655 FRIENDSHIP RD, WESTMINSTER, MD 21157-7264

Mortgage

Document Number	0000951861
Date	Dec 23, 2019
Instrument	9518/61

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 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	$5,177.00 (+9.43%)	$462,300 (+9.43%) Land $120,800 Building $341,500	$462,300 (-) Land $120,800 Building $341,500
2025	$4,731.00 (+22.15%)	$422,467 (+23.24%)	$462,300 (+34.86%) Land $120,800 Building $341,500
2023	$3,873.00	$342,800 Land $120,800 Building $222,000	$342,800 Land $120,800 Building $222,000

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2015–2024)
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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Ting, Verizon.

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