183 Opal Ave, Westminster, MD 21157 Property Records

Carroll County property record for 183 Opal Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,904 sqft · built 1979
Lot Size	0.925 acres (40,275 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Dec 2017)
Tax Bill	$5,091 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-026548`

Property Details

APN / Parcel Number

Primary APN	`08-026548`
Alternative APNs	`8026548` `026548`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,904 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,275 sqft (0.925 acres)
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	170 sqft
Deck Area	224 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026548
Street Address	183 OPAL AVE
City	WESTMINSTER
State	MD
Zip	21157-6631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 29 - 0.9246 ACS 183 OPAL AVE 18-11 PLT D WINTERBERRY ASPEN RUN
Legal Subdivision	WINTERBERRY ASPEN RUN
Legal Lot Number	29
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	2
Census Block	2008
Census Tract	508200

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	183 OPAL AVE, WESTMINSTER, MD 21157-6631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 27, 2021	Deed of Trust, Mortgage · FHA Mortgage DIRECT MORTGAGE LOANS LLC
Dec 6, 2017	Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2017 · Amount on Record
Deed Sale	Dec 6, 2017 · Amount on Record
Prior Sale	Jul 28, 2015 · Amount on Record
Deed Document Number	20178883-0314
Deed Book / Page	8883 / 314
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	183 OPAL AVE, WESTMINSTER, MD 21157-6631
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 OPAL AVE, WESTMINSTER, MD 21157-6631

Mortgage

Document Number	0117000171
Date	Mar 3, 2026
Book Page	11700/171

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	183 OPAL AVE, WESTMINSTER, MD 21157-6631
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 OPAL AVE, WESTMINSTER, MD 21157-6631

Mortgage

Document Number	0117000171
Date	Mar 3, 2026
Book Page	11700/171

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	183 OPAL AVE, WESTMINSTER, MD 21157-6631
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100760000
Date	Jan 27, 2021
Book Page	10076/90

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 6, 2017
Property Address	183 OPAL AVE, WESTMINSTER, MD 21157-6631
Document Number	0088830314
Book / Page	8883 / 0314
Map Reference	MB18 PL11
Instrument Date	Nov 27, 2017
Instrument	8883-0314
Transaction Type	Transfer
Record Updated	Aug 12, 2021

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
Relationship	Tenants by the Entirety
Address	183 OPAL AVE, WESTMINSTER, MD 21157-6631

Mortgage

Document Number	88830319
Date	Dec 6, 2017
Instrument	8883-0319

Lender

Name	RESIDENTIAL MORTGAGE SOLUTIONS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 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	$5,091.00 (+4.99%)	$449,267 (+15.54%)	$492,400 (+15.13%) Land $194,000 Building $298,400
2025	$4,849.00 (+10.38%)
2023	$4,393.00	$388,833	$427,700 Land $138,900 Building $288,800

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	2 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2005 · tidal / storm surge

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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