655 Golden Dr, Westminster, MD 21157 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,044 sqft · built 1994
Lot Size	0.361 acres (15,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$427,500 (Sep 2019)
Tax Bill	$5,560 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-116306`

Property Details

APN / Parcel Number

Primary APN	`07-116306`
Alternative APNs	`7116306` `116306`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,044 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft
Utility Area	242 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,738 sqft (0.361 acres)
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	224 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	116306
Street Address	655 GOLDEN DR
City	WESTMINSTER
State	MD
Zip	21157-7256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 10 - 15738 SF 655 GOLDEN DR 34-135 POOLE MEADOWS SC 1
Legal Subdivision	POOLE MEADOWS
Legal Lot Number	10
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3000
Census Tract	507802

Owner

Source: Carroll County records, as of August 18, 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 GOLDEN DR, WESTMINSTER, MD 21157-7256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Jun 16, 2022	Deed of Trust, Mortgage · ARM E MORTGAGE CAPITAL INC
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 25, 2019	Special Warranty Deed, Transfer · Conventional Mortgage REDFIN MORTGAGE LLC
Jul 18, 2018	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Prior Sale	Jul 18, 2018
Deed Book / Page	9420 / 352
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	655 GOLDEN DR, WESTMINSTER, MD 21157-7256
Transaction Type	Mortgage
Record Updated	Apr 26, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 GOLDEN DR, WESTMINSTER, MD 21157-7256

Mortgage

Document Number	0110070221
Date	Apr 5, 2023
Book Page	11007/221

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	655 GOLDEN DR, WESTMINSTER, MD 21157-7256
Transaction Type	Mortgage
Record Updated	Jul 11, 2022
Title Company	ATLAS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 GOLDEN DR, WESTMINSTER, MD 21157-7256

Mortgage

Document Number	0108090313
Date	Jun 16, 2022
Book Page	10809/313

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.12%
Index	Other
Max Rate	9.12%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	655 GOLDEN DR, WESTMINSTER, MD 21157-7256
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	BETTERS LAW TITLE & SETTLEMENT LLC, BETTERS TITLE AND STLMT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103660051
Date	Jul 14, 2021
Book Page	10366/51

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	May 1, 2051

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 25, 2019
Property Address	655 GOLDEN DR, WESTMINSTER, MD 21157-7256
Document Number	0094200352
Book / Page	9420 / 0352
Map Reference	MB 4 FO 135
Instrument Date	Aug 30, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	TITLE FORWARD

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
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 GOLDEN DR, WESTMINSTER, MD 21157-7256

Mortgage

Document Number	0009420358
Date	Sep 25, 2019
Instrument	9420/358

Lender

Name	REDFIN MORTGAGE LLC
Type	Mortgage Company

Agreement

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

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 18, 2018
Property Address	655 GOLDEN DR, WESTMINSTER, MD 21157-7256
Document Number	0090680051
Book / Page	009068 / 000051
Instrument Date	May 24, 2018
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	NAVY FEDERAL TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$433.15
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	655 GOLDEN DR WESTMINSTER MD 211577256, WESTMINSTER, MD 21157-7256

Mortgage

Document Number	90680055
Date	Jul 18, 2018
Book Page	009068/000055

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$535,200 (+27.7%) Land $124,800 Building $410,400	$535,200 (+27.7%) Land $124,800 Building $410,400
2025	$5,560.00 (+17.42%)
2023	$4,735.00	$419,100 Land $124,800 Building $294,300	$419,100 Land $124,800 Building $294,300

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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