Carroll County property record for 195 Opal Ave, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,088 sqft · built 1976 |
| Lot Size | 0.569 acres (24,785 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,199 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-019622 |
| Primary APN | 08-019622 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,088 sqft Total Area |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 24,785 sqft (0.569 acres) |
| Garage Type | Carport |
| Garage Area | 252 sqft |
| Carport | Carport |
| Carport Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 130 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 019622 |
|---|---|
| Street Address | 195 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. 24 0.569 AC W OF HOUCKSVILLE RD. PLT. 10-94 ASPEN RUN SUMMER |
| Legal Subdivision | ASPEN RUN |
| Legal Lot Number | 24 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 8, HAMPSTEAD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 508200 |
195 Opal Ave is owned and occupied by an individual.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 195 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 195 Opal Ave was $3,199 with a homeowner's exemption, up 5.1% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,199.00 (+5.13%) Homeowner's exemption | $295,733 | $336,000 Land $165,500 Building $170,500 |
| 2025 | $3,043.00 Homeowner's exemption | ||
| 2023 | $2,764.00 Homeowner's exemption | $244,667 | $275,600 Land $110,400 Building $165,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Opal Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.
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 risk around 195 Opal Ave 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.
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 |
5G (outdoors only) and 4G LTE
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