130 Smith Ave, Westminster, MD 21157 Property Records

Carroll County property record for 130 Smith Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,368 sqft · built 1955
Lot Size	0.452 acres (19,703 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Dec 2020)
Tax Bill	$4,629 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-018282`

Property Details

APN / Parcel Number

Primary APN	`07-018282`
Alternative APNs	`7018282` `018282`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,368 sqft Total Area
Basement Area	830 sqft
Finished Basement	830 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	19,703 sqft (0.452 acres)
Deck Area	48 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	018282
Street Address	130 SMITH AVE
City	WESTMINSTER
State	MD
Zip	21157-5729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 20 - 19703 SF 130 SMITH AVE 3-42 JOSEPH W SMITH JR LTS
Legal Subdivision	WESTMINSTER
Legal Lot Number	20
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	4
Census Block	4010
Census Tract	507801

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	130 SMITH AVE, WESTMINSTER, MD 21157-5729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed, Transfer · VA Mortgage APEX HOME LOANS INC
Sep 13, 2017	Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Prior Sale	Sep 13, 2017 · Amount on Record
Deed Book / Page	10009 / 162
Prior Transfer Date	Aug 5, 2015
Prior Transfer Doc	0082140113
Record Updated	Oct 29, 2026

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 22, 2020
Property Address	130 SMITH AVE, WESTMINSTER, MD 21157-5729
Document Number	0100090162
Book / Page	10009 / 162
Map Reference	MB 3 PG 42
Instrument Date	Oct 8, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ASSURANCE TITLE LLC

Transaction

Amount	Amount Recorded
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 in Severalty
Address	130 SMITH AVE, WESTMINSTER, MD 21157-5729

Mortgage

Document Number	0010009170
Date	Dec 22, 2020
Instrument	10009/170

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 13, 2017
Property Address	130 SMITH AVE, WESTMINSTER, MD 21157-5729
Document Number	0088020223
Book / Page	8802 / 0223
Map Reference	MB3 PG42
Instrument Date	Aug 17, 2017
Instrument	8802-0223
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	GREATER MARYLAND TITLE 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 SMITH AVE, WESTMINSTER, MD 21157-5729

Mortgage

Document Number	88020229
Date	Sep 13, 2017
Instrument	8802-0229

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

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	$4,629.00 (+6.49%)	$413,400 (+22.42%) Land $98,200 Building $315,200	$413,400 (+22.42%) Land $98,200 Building $315,200
2025	$4,347.00 (+13.92%)
2023	$3,816.00	$337,700 Land $98,200 Building $239,500	$337,700 Land $98,200 Building $239,500

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

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 91 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

May also be available: Ting.

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