72 Madison St, Westminster, MD 21157 Property Records

Carroll County property record for 72 Madison St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,064 sqft · built 1955
Lot Size	0.223 acres (9,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Apr 2025)
Tax Bill	$4,519 (2026)
Deeds & Mortgages	Jul 2017 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-054491`

Property Details

APN / Parcel Number

Primary APN	`07-054491`
Alternative APNs	`7054491` `054491`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Total Area
Attic	Attic
Attic Area	300 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	9,720 sqft (0.223 acres)

Exterior Amenities

Porch	Slab
Porch Area	331 sqft
Deck Area	140 sqft
Patio Area	216 sqft
Shed	1 Shed
Shed Area	738 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	054491
Street Address	72 MADISON ST
City	WESTMINSTER
State	MD
Zip	21157-4919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT - 9720 SQ FT 72 MADISON ST WESTMINSTER
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3013
Census Tract	507801

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	72 MADISON ST, WESTMINSTER, MD 21157-4919
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2017	Deed of Trust, Mortgage · Line of Credit MEMBERS 1ST FCU
Dec 8, 2020	Deed of Trust, Mortgage · VA Mortgage LENDING 3 INC
Oct 25, 2019	Deed of Trust, Mortgage · VA Mortgage ELEVEN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2025 · Amount on Record
Deed Sale	Apr 1, 2025 · Amount on Record
Prior Sale	Apr 18, 2012 · Amount on Record
Deed Book / Page	11444 / 28
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	72 MADISON ST, WESTMINSTER, MD 21157-4919
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0087570290
Date	Jul 26, 2017
Book Page	8757/0290
Instrument	8757-0290

Lender

Name	MEMBERS 1ST FCU
Type	Credit Union
Address	MECHANICSBURG, PA 17055

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jun 20, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	72 MADISON ST, WESTMINSTER, MD 21157-4919
Document Number	0100160337
Instrument Date	Dec 8, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	AMERICAS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 MADISON ST WESTMINSTER MD 211574919, WESTMINSTER, MD 21157-4919

Mortgage

Document Number	0100160337
Date	Dec 28, 2020
Book Page	010016/000337

Lender

Name	LENDING 3 INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	72 MADISON ST, WESTMINSTER, MD 21157-4919
Document Number	0095160189
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	RESOURCE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 MADISON ST WESTMINSTER MD 211574919, WESTMINSTER, MD 21157-4919

Mortgage

Document Number	0095160189
Date	Dec 23, 2019
Book Page	009516/000189

Lender

Name	ELEVEN MTG
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

Tax Assessment & Valuation

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	$4,519.00 (+8.11%)	$269,000 (+29.02%) Land $74,500 Building $194,500	$269,000 (+29.02%) Land $74,500 Building $194,500
2025	$4,180.00 (+18.65%)
2023	$3,523.00 Homeowner's exemption	$208,500 Land $74,500 Building $134,000	$208,500 Land $74,500 Building $134,000

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 · 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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Maryland
Wildfire Likelihood	Under 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 445 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: Quantum Internet & Telephone, Ting, Verizon.

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