690 Arbor Dr, Westminster, MD 21158 Property Records

Carroll County property record for 690 Arbor Dr, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,028 sqft · built 1986
Lot Size	2.38 acres (103,673 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Jan 2024)
Tax Bill	$3,890 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-022307`

Property Details

APN / Parcel Number

Primary APN	`03-022307`
Alternative APNs	`3022307` `022307`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,028 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	103,673 sqft (2.38 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	022307
Street Address	690 ARBOR DR
City	WESTMINSTER
State	MD
Zip	21158-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 14 - 2.38 ACS 690 ARBOR DR 26-18 SEC 2 GRAND VALLEY FARMS
Legal Subdivision	GRAND VLY FARMS SEC 02
Legal Lot Number	14
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	690 ARBOR DR, WESTMINSTER, MD 21158-1449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 3, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 13, 2016	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	Nov 18, 1997 · Amount on Record
Deed Book / Page	11177 / 83
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 10, 2024
Property Address	690 ARBOR DR, WESTMINSTER, MD 21158-1449
Document Number	0111770083
Book / Page	11177 / 83
Map Reference	MB 26 FO 18
Instrument Date	Jan 3, 2024
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	LAWYERS EXPRESS TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,125.00
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	690 ARBOR DR, WESTMINSTER, MD 21158-1449

Mortgage

Document Number	0111770089
Date	Jan 10, 2024
Instrument	11177-0089

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	690 ARBOR DR, WESTMINSTER, MD 21158-1449
Transaction Type	Mortgage
Record Updated	Nov 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 ARBOR DR, WESTMINSTER, MD 21158-1449

Mortgage

Document Number	0109230070
Date	Nov 3, 2022
Book Page	10923/70

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	690 ARBOR DR, WESTMINSTER, MD 21158-1449
Document Number	0086850371
Book / Page	008685 / 000371
Instrument Date	Dec 13, 2016
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	690 ARBOR DR WESTMINSTER MD 211581449, WESTMINSTER, MD 21158-1449

Mortgage

Document Number	0086850371
Date	May 12, 2017
Book Page	008685/000371

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$3,890.00 (+5.42%) Homeowner's exemption	$358,833 (+25.64%)	$428,100 (+32.05%) Land $163,800 Building $264,300
2025	$3,690.00 (+14.35%) Homeowner's exemption
2023	$3,227.00 Homeowner's exemption	$285,600	$324,200 Land $138,800 Building $185,400

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	Direct burnable vegetation

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)

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