683 Lake Dr, Westminster, MD 21158 Property Records

Carroll County property record for 683 Lake Dr, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,160 sqft · built 1986
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$176,500 (Aug 2000)
Tax Bill	$4,776 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-019802`

Property Details

APN / Parcel Number

Primary APN	`03-019802`
Alternative APNs	`3019802` `019802`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,160 sqft Total Area
Basement Area	385 sqft
Finished Basement	385 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Mixed
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	70 sqft
Deck Area	474 sqft
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	019802
Street Address	683 LAKE DR
City	WESTMINSTER
State	MD
Zip	21158-1444
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 25 - 3.00 ACS LAKE DR 20-22 SEC 3 GRAND VALLEY ACRES
Legal Subdivision	GRAND VALLEY ACRES
Legal Lot Number	25
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	4
Census Block	4008
Census Tract	503000

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	683 LAKE DR, WESTMINSTER, MD 21158-1444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FEDERAL CREDIT UNION/MD
Oct 25, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2000 · Amount on Record
Deed Sale	Aug 8, 2000 · Amount on Record
Prior Sale	Sep 29, 1997 · Amount on Record
Deed Document Number	2000419
Deed Book / Page	2380 / 480
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	Jun 4, 2026
Property Address	683 LAKE DR, WESTMINSTER, MD 21158-1444
Document Number	1178000021
Book / Page	11783 / 21
Instrument Date	May 19, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	683 LAKE DR, WESTMINSTER, MD 21158-1444

Mortgage

Document Number	1178000021,
Date	Jun 4, 2026
Book Page	11783/21

Lender

Name	FIRST FINANCIAL FEDERAL CREDIT UNION/MD

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.58%
Initial Type	Fixed Rate
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	683 LAKE DR, WESTMINSTER, MD 21158-1444
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091510017
Date	Oct 25, 2018
Book Page	9151/0017

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,776.00 (+2.89%)	$421,167 (+2.92%)	$445,100 (+8.77%) Land $170,000 Building $275,100
2025	$4,642.00 (+17.31%)	$409,200 (+16.85%) Land $145,000 Building $264,200	$409,200 (-) Land $145,000 Building $264,200
2023	$3,957.00	$350,200	$409,200 Land $145,000 Building $264,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lake Dr

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