193 Opal Ave, Westminster, MD 21157 Property Records

Carroll County property record for 193 Opal Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,876 sqft · built 1978
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$141,000 (Dec 1997)
Tax Bill	$4,769 (2026)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-026629`

Property Details

APN / Parcel Number

Primary APN	`08-026629`
Alternative APNs	`8026629` `026629`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,876 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	46,174 sqft (1.06 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026629
Street Address	193 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 35 - 1.06 ACS OPAL AVE 18-12 PLT E WINTERBERRY ASPEN RUN
Legal Subdivision	WINTERBERRY ASPEN RUN
Legal Lot Number	35
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	193 OPAL AVE, WESTMINSTER, MD 21157-6631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 1997 · Amount on Record
Deed Sale	Dec 31, 1997 · Amount on Record
Prior Sale	Jul 26, 1988 · Amount on Record
Deed Document Number	19972448
Deed Book / Page	1989 / 17
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	193 OPAL AVE, WESTMINSTER, MD 21157-6631
Document Number	0096210422
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	193 OPAL AVE WESTMINSTER MD 211576631, WESTMINSTER, MD 21157-6631

Mortgage

Document Number	0096210422
Date	Apr 6, 2020
Book Page	009621/000422

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Apr 5, 2040

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	$4,769.00 (+5.07%) Homeowner's exemption	$434,567 (+18.72%)	$486,300 (+18.99%) Land $200,600 Building $285,700
2025	$4,539.00 (+9.74%) Homeowner's exemption
2023	$4,136.00 Homeowner's exemption	$366,033	$408,700 Land $145,600 Building $263,100

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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