Carroll County property record for 187 Opal Ave, Westminster, MD 21157 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,236 sqft · built 1978 |
| Lot Size | 0.945 acres (41,181 sqft) |
| Owner | Individual Name on File |
| Last Sale | $329,900 (Jul 2018) |
| Tax Bill | $4,366 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-026580 |
| Primary APN | 08-026580 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,236 sqft Total Area |
| Basement Area | 632 sqft |
| Finished Basement | 632 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 41,181 sqft (0.945 acres) |
| Porch | Slab |
| Porch Area | 144 sqft |
| Deck Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 026580 |
|---|---|
| Street Address | 187 OPAL AVE |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-6631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 38 - 41181 SQ FT 187 OPAL AVE 18-11 PLT D WINTERBERRY SC/ASPEN RUN |
| Legal Subdivision | ASPEN RUN |
| Legal Lot Number | 38 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 8, HAMPSTEAD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 508200 |
Source: Carroll County records · APN 08-026580
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 187 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HOME MORTGAGE CORP |
| Jul 10, 2018 | Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 10, 2018 · Amount on Record |
| Deed Sale | Jul 10, 2018 · Amount on Record |
| Prior Sale | Jun 28, 2010 · Amount on Record |
| Deed Book / Page | 9063 / 17 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 187 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0102440336 |
|---|---|
| Date | May 03, 2021 |
| Book Page | 10244/336 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NOTTINGHAM, MD 21236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jul 10, 2018 |
| Property Address | 187 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| Document Number | 0090630017 |
| Book / Page | 9063 / 0017 |
| Map Reference | MB18 FO11 |
| Instrument Date | Jul 09, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | ASSOCIATES TITLE SECS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 187 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| Document Number | 0000906341 |
|---|---|
| Date | Jul 10, 2018 |
| Instrument | 9063/41 |
| Name | FIRST HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2048 |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $405,667 (+19.84%) | $448,000 (+16.51%) Land $195,600 Building $252,400 | |
| 2025 | $4,366.00 (+14.14%) | ||
| 2023 | $3,825.00 | $338,500 | $384,500 Land $140,500 Building $244,000 |
Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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