194 Bell Rd, Westminster, MD 21158 Property Records

Carroll County property record for 194 Bell Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,924 sqft · built 1984
Lot Size	0.656 acres (28,575 sqft)
Owner	2 Individual Names on File
Last Sale	$392,500 (Dec 2019)
Tax Bill	$5,764 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-082193`

Property Details

APN / Parcel Number

Primary APN	`07-082193`
Alternative APNs	`7082193` `082193`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,924 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	28,575 sqft (0.656 acres)
Garage Type	Mixed
Garage Area	1,260 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	082193
Street Address	194 BELL RD
City	WESTMINSTER
State	MD
Zip	21158-4106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 6 - 28575 SF 194 BELL RD 25-25 WAKEFIELD WEST SC 2
Legal Subdivision	WAKEFIELDS WEST
Legal Lot Number	6
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1004
Census Tract	507703

Owner

194 Bell Rd is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	194 BELL RD, WESTMINSTER, MD 21158-4106
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Apr 8, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAXTER CU
Dec 6, 2019	Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES
Feb 8, 2019	Grant Deed, Transfer CROWN TITLE CORPORATION
Sep 20, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on File
Deed Sale	Dec 6, 2019 · Amount on File
Prior Sale	Feb 8, 2019 · Amount on File
Deed Book / Page	9499 / 276
Prior Transfer Date	Sep 18, 2018
Prior Transfer Doc	0091240144
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	194 BELL RD, WESTMINSTER, MD 21158-4106
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	TERRAIN TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0098960446
Date	Oct 14, 2020
Book Page	9896/446

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	194 BELL RD, WESTMINSTER, MD 21158-4106
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102010274
Date	Apr 8, 2021
Book Page	10201/274

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Mar 30, 2036

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 6, 2019
Property Address	194 BELL RD, WESTMINSTER, MD 21158-4106
Document Number	0094990276
Book / Page	9499 / 0276
Map Reference	MB 25 FO 25
Instrument Date	Nov 22, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
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	194 BELL RD, WESTMINSTER, MD 21158-4106

Mortgage

Document Number	0009499282
Date	Dec 6, 2019
Instrument	9499/282

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 8, 2019
Property Address	194 BELL RD, WESTMINSTER, MD 21158-4106
Document Number	0092210328
Book / Page	009221 / 000328
Instrument Date	Jan 29, 2019
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	CROWN TITLE CORPORATION

Transaction

Amount	Amount on Record
Tax	$236.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2834 BENSON RD FINKSBURG MD 210482208, FINKSBURG, MD 21048-2208

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 20, 2018
Property Address	194 BELL RD, WESTMINSTER, MD 21158-4106
Document Number	0091240144
Book / Page	009124 / 000144
Instrument Date	Jun 13, 2018
Transaction Type	Foreclosure
Record Updated	Oct 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association

Tax Assessment & Valuation

The 2026 property tax bill for 194 Bell Rd was $5,764, up 8.1% from the year before.

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	$5,764.00 (+8.12%)	$509,400 Land $102,400 Building $407,000	$509,400 Land $102,400 Building $407,000
2025	$5,331.00
2023	$4,445.00	$393,400 Land $102,400 Building $291,000	$393,400 Land $102,400 Building $291,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 194 Bell Rd in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 194 Bell Rd is low, with a 0.01% annual chance of 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 84 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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