Carroll County property record for 657 Whispering Meadows Ct, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,052 sqft · built 1991 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Aug 2019) |
| Tax Bill | $6,193 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-112610 |
| Primary APN | 07-112610 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,052 sqft Total Area |
| Basement Area | 400 sqft |
| Finished Basement | 400 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 180 sqft |
| Patio Area | 440 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 112610 |
|---|---|
| Street Address | 657 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 86 - 10000 SF S 657 WHISPERING MEADOWS C WHISPERING MEADOWS 31-55 |
| Legal Subdivision | PLAT 1 WHISPRING MEADOWS |
| Legal Lot Number | 86 |
| 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 | 657 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Aug 6, 2019 | Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC |
| Dec 26, 2018 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2019 · Amount on Record |
| Deed Sale | Aug 6, 2019 · Amount on Record |
| Prior Sale | Dec 26, 2018 · Amount on Record |
| Deed Book / Page | 9367 / 1 |
| Prior Transfer Date | Nov 1, 2018 |
| Prior Transfer Doc | 0091920440 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 657 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | LAWYERS SIGNATURE SETTLEMENTS, LAWYERS SIGNATURE STLMTS LLC |
| Name | Verified Name |
|---|
| Document Number | 0104570484 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 10457/484 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 6, 2019 |
| Property Address | 657 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Document Number | 0093670001 |
| Book / Page | 9367 / 0001 |
| Map Reference | MB 31 FO 55 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | SECURITY AMERICAN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 657 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Document Number | 0000093677 |
|---|---|
| Date | Aug 6, 2019 |
| Instrument | 9367/7 |
| Name | SUMMIT FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 26, 2018 |
| Property Address | 657 WHISPERING MEADOWS CT, WESTMINSTER, MD 21158-8852 |
| Document Number | 0091920440 |
| Book / Page | 009192 / 000440 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $208.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
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 | $6,193.00 (-1.2%) Homeowner's exemption | $418,200 (+12.08%) Land $100,000 Building $318,200 | $418,200 (-) Land $100,000 Building $318,200 |
| 2025 | $6,268.00 (+31.07%) Homeowner's exemption | $373,133 (+31.85%) | $418,200 (+47.77%) Land $100,000 Building $318,200 |
| 2023 | $4,782.00 | $283,000 Land $100,000 Building $183,000 | $283,000 Land $100,000 Building $183,000 |
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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