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115 Smith Ave, Westminster, MD 21157 Property Records

Carroll County property record for 115 Smith Ave, Westminster, MD 21157 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 1,692 sqft · built 1962
Lot Size0.35 acres (15,246 sqft)
OwnerIndividual Name on File
Last Sale$400,000 (Mar 2023)
Tax Bill$3,818 (2025)
Deeds & MortgagesApr 2026 Mortgage
Mar 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-021984

Property Details

APN / Parcel Number

Primary APN07-021984
Alternative APNs
  • 7021984
  • 021984

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,692 sqft Total Area
Basement Area950 sqft
Finished Basement950 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1962
Exterior MaterialBrick
Roof MaterialComposition Shingle
Lot Area15,246 sqft (0.35 acres)
PorchSlab
Porch Area341 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemBaseboard
SewerConnected

Location & Zoning

Account Number021984
Street Address115 SMITH AVE
CityWESTMINSTER
StateMD
Zip21157-5728
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 2 - 0.35 AC 115 SMITH AVENUE PLT 4-7 WINCHESTER PARK SC 3
Legal SubdivisionSECTION A WINCHESTER PARK
Legal Lot Number2
JurisdictionCARROLL MD
Township / Civil Division7, WESTMINSTER
Census Block Group2
Census Block2000
Census Tract507801

Owner

Source: Carroll County records · APN 07-021984

Assessment roll updated August 5, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address115 SMITH AVE, WESTMINSTER, MD 21157-5728
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 13, 2026Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 03, 2023Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 03, 2023 · Amount on Record
Deed SaleMar 03, 2023 · Amount on Record
Prior SaleJan 12, 1989 · Amount on Record
Deed Book / Page10988 / 378
Transfer Doc0000014835
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARROLL MD
Recording DateApr 13, 2026
Property Address115 SMITH AVE, WESTMINSTER, MD 21157-5728
Document Number1173000464
Book / Page11735 / 464
Instrument DateMar 25, 2026
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner, 167
Address115 SMITH AVE, WESTMINSTER, MD 21157-5728

Mortgage

Document Number1173000464,
DateApr 13, 2026
Book Page11735/464
Lender
NamePENNYMAC LOAN SERVICES LLC
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate TypeAdjustable Rate
Rate5.98%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

March 2023: Deed, Transfer

Document TypeDeed
JurisdictionCARROLL MD
Recording DateMar 03, 2023
Property Address115 SMITH AVE, WESTMINSTER, MD 21157-5728
Document Number0109880378
Book / Page10988 / 378
Map ReferenceMB EAS 4 FO 79
Instrument DateSep 02, 2022
Transaction TypeTransfer
Record UpdatedMar 23, 2023
Title CompanyABODE SETTLEMENT GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,000.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address115 SMITH AVE, WESTMINSTER, MD 21157-5728

Mortgage

Document Number0109880385
DateMar 03, 2023
Instrument10988-0385
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term355 Months
DueOct 01, 2052

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCarroll County
Unified School DistrictCarroll County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$379,400 (+11.27%) Land $124,400 Building $255,000$379,400 (-) Land $124,400 Building $255,000
2025$3,818.00 (+27.95%)$340,967 (+29.11%)$379,400 (+43.66%) Land $124,400 Building $255,000
2023$2,984.00$264,100 Land $124,400 Building $139,700$264,100 Land $124,400 Building $139,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135078012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 in force
1 of 1 on primary residences
Nearby Flood Claims1 (2010)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 2010, other causes

Wildfire

Wildfire RiskLow
above 20% of the US · above 41% of Maryland
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

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