705 Lower Field Cir, Westminster, MD 21158 Property Records

Carroll County property record for 705 Lower Field Cir, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,220 sqft · built 2010
Lot Size	0.254 acres (11,068 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Sep 2010)
Tax Bill	$9,211 (2026)
Deeds & Mortgages	May 2020 Line of Credit May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-152442`

Property Details

APN / Parcel Number

Primary APN	`07-152442`
Alternative APN	`152442`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,220 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,068 sqft (0.254 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	49 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	152442
Street Address	705 LOWER FIELD CIR
City	WESTMINSTER
State	MD
Zip	21158-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 134 - 11068 SF SC 705 LOWER FIELD CIR 50-5 VLG OF MEADOW CREEK AMD
Legal Subdivision	MEADOW CREEK
Legal Lot Number	134
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2034
Census Tract	507500

Owner

705 Lower Field Cir is owned and occupied by two individuals who bought it in September 2010.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	705 LOWER FIELD CIR, WESTMINSTER, MD 21158-4443
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 30, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 18, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2010 · Amount on File
Deed Sale	Sep 23, 2010 · Amount on File
Deed Document Number	2010662
Deed Book / Page	6306 / 216
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	705 LOWER FIELD CIR, WESTMINSTER, MD 21158-4443
Document Number	0097130488
Instrument Date	May 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 LOWER FIELD CIR WESTMINSTER MD 211584443, WESTMINSTER, MD 21158-4443

Mortgage

Document Number	0097130488
Date	Jun 11, 2020
Book Page	009713/000488

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2050

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	705 LOWER FIELD CIR, WESTMINSTER, MD 21158-4443
Document Number	0090280291
Instrument Date	May 18, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 LOWER FIELD CIR WESTMINSTER MD 211584443, WESTMINSTER, MD 21158-4443

Mortgage

Document Number	0090280291
Date	Jun 1, 2018
Book Page	009028/000291

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 21158-4443

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 705 Lower Field Cir was $9,211 with a homeowner's exemption, up 5.9% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,211.00 (+5.89%) Homeowner's exemption	$602,800 Land $155,900 Building $446,900	$602,800 Land $155,900 Building $446,900
2025	$8,699.00 Homeowner's exemption
2023	$8,012.00 Homeowner's exemption	$474,100 Land $155,900 Building $318,200	$474,100 Land $155,900 Building $318,200

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

Flood

FEMA maps place 705 Lower Field Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 (1979)
Most Recent Claim	Feb 1979 · tidal / storm surge

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.

Wildfire

Wildfire risk around 705 Lower Field Cir is low, with a 0.01% annual chance of 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Antietam Cable, Quantum Internet & Telephone, Ting.

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