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686 Windsor Dr, Westminster, MD 21158 Property Records

Carroll County property record for 686 Windsor Dr, Westminster, MD 21158 · Last verified August 2026

Property Summary

Property TypeTownhouse
Details1.5 ba · 1,200 sqft · built 1987
Lot Size0.196 acres (8,523 sqft)
Owner2 Individual Names on File
Last Sale$315,000 (Nov 2025)
Tax Bill$4,149 (2025)
Deeds & MortgagesNov 2025 Sale & Mortgage
Feb 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN07-092296

Property Details

APN / Parcel Number

Primary APN07-092296
Alternative APNs
  • 7092296
  • 092296

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,200 sqft Total Area
Basement Area400 sqft
Finished Basement400 sqft

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area8,523 sqft (0.196 acres)
PorchSlab
Porch Area24 sqft
Deck Area216 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number092296
Street Address686 WINDSOR DR
CityWESTMINSTER
StateMD
Zip21158-4233
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionLT 8 - 8523 SF 686 WINDSOR DR 28-26 UNIONTOWN PARK
Legal SubdivisionUNIONTOWN PARK
Legal Lot Number8
JurisdictionCARROLL MD
Township / Civil Division7, WESTMINSTER
Census Block Group3
Census Block3007
Census Tract507704

Owner

Source: Carroll County records · APN 07-092296

Assessment roll updated August 5, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address686 WINDSOR DR, WESTMINSTER, MD 21158-4233
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Nov 12, 2025Deed, Transfer · FHA Mortgage
TRUIST BANK
Feb 03, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Oct 28, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MTG
Jun 09, 2017Deed, Transfer · VA Mortgage
TOWNE BANK MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 12, 2025 · Amount on Record
Deed SaleNov 12, 2025 · Amount on Record
Prior SaleJun 09, 2017 · Amount on Record
Deed Book / Page11612 / 284
Record UpdatedSep 20, 2026

November 2025: Deed, Transfer

Document TypeDeed
JurisdictionCARROLL MD
Recording DateNov 12, 2025
Property Address686 WINDSOR DR, WESTMINSTER, MD 21158-4233
Document Number0116120284
Book / Page11612 / 284
Map ReferenceMB 28 FO 26
Instrument DateNov 03, 2025
Transaction TypeTransfer
Record UpdatedDec 02, 2025
Title CompanyUNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$787.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address686 WINDSOR DR, WESTMINSTER, MD 21158-4233

Mortgage

Document Number0011612292
DateNov 12, 2025
Instrument11612/292
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2055

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARROLL MD
Property Address686 WINDSOR DR, WESTMINSTER, MD 21158-4233
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0095550079
DateFeb 03, 2020
Book Page9555/0079
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term330 Months
DueAug 01, 2047

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARROLL MD
Property Address686 WINDSOR DR, WESTMINSTER, MD 21158-4233
Document Number0099350087
Instrument DateOct 28, 2020
Transaction TypeMortgage
Record UpdatedNov 23, 2020
Title CompanyTITLE 365

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner
Address686 WINDSOR DR WESTMINSTER MD 211584233, WESTMINSTER, MD 21158-4233

Mortgage

Document Number0099350087
DateNov 05, 2020
Book Page009935/000087
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term324 Months
DueNov 04, 2047

June 2017: Deed, Transfer

Document TypeDeed
JurisdictionCARROLL MD
Recording DateJun 09, 2017
Property Address686 WINDSOR DR, WESTMINSTER, MD 21158-4233
Document Number0087140065
Book / Page8714 / 0065
Map ReferenceMB28 FO26
Instrument DateMay 24, 2017
Instrument8714-0065
Transaction TypeTransfer
Record UpdatedAug 12, 2021
Title CompanyHOME FIRST TITLE GROUP LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address686 WINDSOR DR, WESTMINSTER, MD 21158-4233

Mortgage

Document Number0087140072
DateJun 09, 2017
Book Page8714/0072
Instrument8714-0072
Lender
NameTOWNE BANK MORTGAGE
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23451
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCarroll County
MunicipalityWestminster City
Unified School DistrictCarroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$262,400 (+6.25%) Land $70,000 Building $192,400$262,400 (-) Land $70,000 Building $192,400
2025$4,149.00 (+13.61%)$246,967 (+14.28%)$262,400 (+21.43%) Land $70,000 Building $192,400
2023$3,652.00$216,100 Land $70,000 Building $146,100$216,100 Land $70,000 Building $146,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135077043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2012)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 2012, rainfall accumulation, Hurricane Sandy

Wildfire

Wildfire RiskLow
above 20% of the US · above 41% of Maryland
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 484 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Ting FiberFiber1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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