Carroll County property record for 845 Snowfall Way, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,048 sqft · built 1995 |
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $346,000 (Jun 2008) |
| Tax Bill | $4,178 (2026) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Aug 2023 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-125550 |
| Primary APN | 07-125550 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,048 sqft Total Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,750 sqft (0.224 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 176 sqft |
| Deck Area | 252 sqft |
| Patio Area | 260 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 125550 |
|---|---|
| Street Address | 845 SNOWFALL WAY |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-4623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-100 |
| Legal Description | LT 162 - 9750 SF SNOWFALL WAY 37-177 AUTUMN RIDGE SC 7 |
| Legal Subdivision | AUTUMN RIDGE SEC 07 |
| Legal Lot Number | 162 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 507601 |
845 Snowfall Way is owned and occupied by two individuals who bought it in June 2008.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 845 SNOWFALL WAY, WESTMINSTER, MD 21157-4623 |
| 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.
| Date | Document |
|---|---|
| Oct 3, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Aug 23, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOWER FCU |
| Jul 27, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Nov 13, 2017 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2008 · Amount on File |
| Deed Sale | Jun 30, 2008 · Amount on File |
| Prior Sale | Feb 23, 2004 · Amount on File |
| Deed Document Number | 200874003 |
| Deed Book / Page | 5568 / 695 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 845 SNOWFALL WAY, WESTMINSTER, MD 21157-4623 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|
| Document Number | 0115820253 |
|---|---|
| Date | Oct 3, 2025 |
| Book Page | 11582/253 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 845 SNOWFALL WAY, WESTMINSTER, MD 21157-4623 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0110990132 |
|---|---|
| Date | Aug 23, 2023 |
| Book Page | 11099/132 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jul 26, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 845 SNOWFALL WAY, WESTMINSTER, MD 21157-4623 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Title Company | ALAMO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0103780455 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 10378/455 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 845 SNOWFALL WAY, WESTMINSTER, MD 21157-4623 |
| Document Number | 0089370205 |
| Book / Page | 008937 / 000205 |
| Instrument Date | Nov 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 845 SNOWFALL WAY WESTMINSTER MD 211574623, WESTMINSTER, MD 21157-4623 |
| Document Number | 0089370205 |
|---|---|
| Date | Feb 8, 2018 |
| Book Page | 008937/000205 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 7, 2048 |
The 2026 property tax bill for 845 Snowfall Way was $4,178 with a homeowner's exemption, up 5.2% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,178.00 (+5.21%) Homeowner's exemption | $401,000 Land $110,000 Building $291,000 | $401,000 Land $110,000 Building $291,000 |
| 2025 | $3,971.00 Homeowner's exemption | ||
| 2023 | $3,553.00 Homeowner's exemption | $314,500 Land $117,000 Building $197,500 | $314,500 Land $117,000 Building $197,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 845 Snowfall Way in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 risk around 845 Snowfall Way 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 199 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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