Carroll County property record for 656 Whispering Meadows Ct, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,132 sqft · built 1991 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,448 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-112750 |
| Primary APN | 07-112750 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,132 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Garage Type | Basement |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Vinyl Pool |
| Pool Area | 648 sqft |
| Deck Area | 272 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 112750 |
|---|---|
| Street Address | 656 WHISPERING MEADOWS CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-8852 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-100 |
| Legal Description | LT 98 -10000 SF SC 2 WHISPERING MEADOWS CT WHISPERING MEADOWS 31-55 |
| Legal Subdivision | WHISPERING MEADOWS |
| Legal Lot Number | 98 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 507704 |
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 | 656 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST BANK |
| Apr 25, 2017 | Deed of Trust, Mortgage SHELBY COUNTY STATE BANK |
| Mar 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRIME LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2003 |
| Deed Sale | May 23, 2003 |
| Prior Sale | Jul 19, 1994 · Amount on Record |
| Deed Document Number | 200325821 |
| Deed Book / Page | 3429 / 248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 21, 2026 |
| Property Address | 656 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Document Number | 1184000143 |
| Book / Page | 11845 / 143 |
| Instrument Date | Jul 28, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 656 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Document Number | 1184000143, |
|---|---|
| Date | Aug 21, 2026 |
| Book Page | 11845/143 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 656 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0086680301 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 8668/0301 |
| Instrument | 8668-0301 |
| Name | SHELBY COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Address | TANEYTOWN, MD 21787 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 656 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Document Number | 0096030200 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2020 |
| Title Company | MARYLAND TITLE WORKS UNLIMITED |
| Name | Verified Name |
|---|---|
| Address | 656 WHISPERING MEADOWS CT WESTMINSTER MD 211588852, WESTMINSTER, MD 21158-8852 |
| Document Number | 0096030200 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 009603/000200 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 18, 2050 |
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 | $5,448.00 (+5.36%) Homeowner's exemption | $331,600 (+20.14%) Land $100,000 Building $231,600 | $331,600 (+20.14%) Land $100,000 Building $231,600 |
| 2025 | $5,171.00 (+10.87%) Homeowner's exemption | ||
| 2023 | $4,664.00 Homeowner's exemption | $276,000 Land $100,000 Building $176,000 | $276,000 Land $100,000 Building $176,000 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2009) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2009 · rainfall accumulation |
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 205 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 |
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