121 Willis St, Westminster, MD 21157 Property Records

Carroll County property record for 121 Willis St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,690 sqft · built 1915
Lot Size	0.81 acres (35,283 sqft)
Owner	2 Individual Names on Record
Last Sale	$636,510 (Apr 2026)
Tax Bill	$6,825 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-056923`

Property Details

APN / Parcel Number

Primary APN	`07-056923`
Alternative APNs	`7056923` `056923`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,690 sqft Total Area
Basement Area	300 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Wood Shingle
Roof Material	Composition Shingle
Lot Area	35,283 sqft (0.81 acres)
Porch	Slab
Porch Area	360 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	056923
Street Address	121 WILLIS ST
City	WESTMINSTER
State	MD
Zip	21157-5120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT - 0.81 AC 121 WILLIS ST WESTMINSTER
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1004
Census Tract	507602

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 August 18, 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	121 WILLIS ST, WESTMINSTER, MD 21157-5120
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
Apr 27, 2026	Deed, Transfer · Conventional Mortgage STONE MORTGAGE CORPORATION
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Nov 6, 2019	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Nov 6, 2019 · Amount on Record
Deed Document Number	2026
Deed Book / Page	11746 / 66
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	121 WILLIS ST, WESTMINSTER, MD 21157-5120
Transaction Type	Mortgage
Record Updated	May 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0107310141
Date	Apr 1, 2022
Book Page	10731/141

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 27, 2026
Property Address	121 WILLIS ST, WESTMINSTER, MD 21157-5120
Document Number	1174000066
Book / Page	11746 / 66
Instrument Date	Apr 3, 2026
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	COURTHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$642,875.10
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	121 WILLIS ST, WESTMINSTER, MD 21157-5120

Mortgage

Document Number	1174000073,
Date	Apr 27, 2026
Book Page	11746/73

Lender

Name	STONE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	121 WILLIS ST, WESTMINSTER, MD 21157-5120
Document Number	0097660336
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	VISIONET SERVICES, VISIONET SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	121 WILLIS ST WESTMINSTER MD 211575120, WESTMINSTER, MD 21157-5120

Mortgage

Document Number	0097660336
Date	Jul 20, 2020
Book Page	009766/000336

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2050

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 6, 2019
Property Address	121 WILLIS ST, WESTMINSTER, MD 21157-5120
Document Number	0094700407
Book / Page	9470 / 0407
Instrument Date	Oct 22, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	121 WILLIS ST, WESTMINSTER, MD 21157-5120

Mortgage

Document Number	0009470416
Date	Nov 6, 2019
Instrument	9470/416

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$538,600 (+10.67%) Land $124,600 Building $414,000	$538,600 (-) Land $124,600 Building $414,000
2025	$6,825.00 (+5.5%) Homeowner's exemption	$486,667 (+27.13%)	$538,600 (+40.7%) Land $124,600 Building $414,000
2023	$6,469.00 Homeowner's exemption	$382,800 Land $124,600 Building $258,200	$382,800 Land $124,600 Building $258,200

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
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jul 2018 · rainfall accumulation

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	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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone, Verizon.

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