765 Changing Season Rd, Westminster, MD 21157 Property Records

Carroll County property record for 765 Changing Season Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,360 sqft · built 1993
Lot Size	1.28 acres (55,757 sqft)
Owner	Individual Name on File
Last Sale	$484,500 (Mar 2022)
Tax Bill	$5,670 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-064011`

Property Details

APN / Parcel Number

Primary APN	`04-064011`
Alternative APNs	`4064011` `064011`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,360 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	55,757 sqft (1.28 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	156 sqft
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	064011
Street Address	765 CHANGING SEASON RD
City	WESTMINSTER
State	MD
Zip	21157-8363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 24- 1.2851 ACS 765 CHANGING SEASONS RD3 FOUR SEASONS SC 2
Legal Subdivision	FOUR SEASONS SEC 02
Legal Lot Number	24
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	3
Census Block	3006
Census Tract	504202

Owner

765 Changing Season Rd is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	765 CHANGING SEASON RD, WESTMINSTER, MD 21157-8363
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
Mar 31, 2022	Deed, Transfer · Conventional Mortgage TJC MORTGAGE INC
Mar 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Jun 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2022 · Amount on File
Deed Sale	Mar 31, 2022 · Amount on File
Prior Sale	Jan 17, 1996 · Amount on File
Deed Book / Page	10729 / 253
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 31, 2022
Property Address	765 CHANGING SEASON RD, WESTMINSTER, MD 21157-8363
Document Number	0107290253
Book / Page	10729 / 253
Map Reference	MB 33 FO 155
Instrument Date	Mar 21, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	OLD LINE TITLE COMPANY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 CHANGING SEASON RD # FTD, FTD, WESTMINSTER, MD 21157-8363

Mortgage

Document Number	0010729259
Date	Mar 31, 2022
Instrument	10729/259

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	765 CHANGING SEASON RD, WESTMINSTER, MD 21157-8363
Document Number	0096220197
Instrument Date	Mar 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	765 CHANGING SEASON RD WESTMINSTER MD 211578363, WESTMINSTER, MD 21157-8363

Mortgage

Document Number	0096220197
Date	Apr 6, 2020
Book Page	009622/000197

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	765 CHANGING SEASON RD, WESTMINSTER, MD 21157-8363
Document Number	0090400044
Instrument Date	Jun 1, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	765 CHANGING SEASON RD WESTMINSTER MD 211578363, WESTMINSTER, MD 21157-8363

Mortgage

Document Number	0090400044
Date	Jun 13, 2018
Book Page	009040/000044

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 765 Changing Season Rd was $5,670, up 4.5% from the year before.

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	$5,670.00 (+4.54%)	$501,000	$545,000 Land $202,800 Building $342,200
2025	$5,424.00
2023	$4,776.00	$422,667	$479,000 Land $162,800 Building $316,200

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

Flood

FEMA maps place 765 Changing Season Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979–2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2015 · 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

Wildfire risk around 765 Changing Season Rd 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	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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone.

Cell Coverage

5G (outdoors only) and 4G LTE

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