986 Nicholas Dr, Westminster, MD 21157 Property Records

Carroll County property record for 986 Nicholas Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,448 sqft · built 2000
Lot Size	0.481 acres (20,944 sqft)
Owner	2 Individual Names on Record
Last Sale	$267,347 (Sep 2000)
Tax Bill	$5,272 (2026)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-138598`

Property Details

APN / Parcel Number

Primary APN	`07-138598`
Alternative APNs	`7138598` `138598`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,448 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,944 sqft (0.481 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	564 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	138598
Street Address	986 NICHOLAS DR
City	WESTMINSTER
State	MD
Zip	21157-4422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 33 -20944 SQ FT NICHOLAS DR 43-125/124 FRIENDSHIP OVERLOOK AMND
Legal Subdivision	FRIENDSHIP OVERLOOK AMD
Legal Lot Number	33
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2004
Census Tract	507801

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	986 NICHOLAS DR, WESTMINSTER, MD 21157-4422
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2000 · Amount on Record
Deed Sale	Sep 14, 2000 · Amount on Record
Deed Document Number	20001029
Deed Book / Page	2400 / 110
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	986 NICHOLAS DR, WESTMINSTER, MD 21157-4422
Document Number	0096850105
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	986 NICHOLAS DR WESTMINSTER MD 211574422, WESTMINSTER, MD 21157-4422

Mortgage

Document Number	0096850105
Date	May 21, 2020
Book Page	009685/000105

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2035

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	$5,272.00 (+5.38%) Homeowner's exemption	$524,900 (+30.73%) Land $139,300 Building $385,600	$524,900 (+30.73%) Land $139,300 Building $385,600
2025	$5,003.00 (+10.3%) Homeowner's exemption
2023	$4,536.00 Homeowner's exemption	$401,500 Land $139,300 Building $262,200	$401,500 Land $139,300 Building $262,200

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2010 · 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 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.

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 86 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

Cell Coverage

5G (outdoors only) and 4G LTE

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