195 Willis St, Westminster, MD 21157 Property Records

Carroll County property record for 195 Willis St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,922 sqft · built 1890
Lot Size	0.491 acres (21,384 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (Mar 2022)
Tax Bill	$10,179 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-066007`

Property Details

APN / Parcel Number

Primary APN	`07-066007`
Alternative APNs	`7066007` `066007`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	3,922 sqft Total Area
Attic	Attic
Attic Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	21,384 sqft (0.491 acres)
Lot Dimensions	198 ft deep x 108 ft wide
Porch	Slab
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	066007
Street Address	195 WILLIS ST
City	WESTMINSTER
State	MD
Zip	21157-5130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT - 21384 SF 195 WILLIS ST WESTMINSTER
Legal Subdivision	MATTHEW G WALSH AND ALISSA L WALSA
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1037
Census Tract	507602

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Carroll County records, as of August 18, 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	195 WILLIS ST, WESTMINSTER, MD 21157-5130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · VA Mortgage DIRECT MORTGAGE LOANS LLC
Feb 12, 2020	Deed of Trust, Mortgage · VA Mortgage DIRECT MORTGAGE LOANS LLC
Mar 29, 2022	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP
Jun 3, 2019	Deed, Transfer · VA Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2022 · Amount on Record
Deed Sale	Mar 29, 2022 · Amount on Record
Prior Sale	Feb 25, 2022 · Amount on Record
Deed Document Number	2022
Deed Book / Page	10723 / 219
Transfer Doc	0000000581
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	195 WILLIS ST, WESTMINSTER, MD 21157-5130
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ADVANTAGE TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0099480412
Date	Nov 13, 2020
Book Page	9948/412

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	195 WILLIS ST, WESTMINSTER, MD 21157-5130
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0095670206
Date	Feb 12, 2020
Book Page	9567/0206

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Mar 29, 2022
Property Address	195 WILLIS ST, WESTMINSTER, MD 21157-5130
Document Number	0107230219
Book / Page	10723 / 219
Instrument Date	Feb 25, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	DIVERSITY TITLE AND ESCROW COMPANY, LIBERTY TITLE AND ESCROW CO

Transaction

Amount	Amount Recorded
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	195 WILLIS ST, WESTMINSTER, MD 21157-5130

Mortgage

Document Number	0010723226
Date	Mar 29, 2022
Instrument	10723/226

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 3, 2019
Property Address	195 WILLIS ST, WESTMINSTER, MD 21157-5130
Document Number	0093050288
Book / Page	9305 / 0288
Instrument Date	May 8, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
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	195 WILLIS ST, WESTMINSTER, MD 21157-5130

Mortgage

Document Number	0009305297
Date	Jun 3, 2019
Instrument	9305/297

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$669,900 (+40.12%) Land $99,300 Building $570,600	$669,900 (+40.12%) Land $99,300 Building $570,600
2025	$10,179.00 (+25.99%)
2023	$8,079.00	$478,100 Land $99,300 Building $378,800	$478,100 Land $99,300 Building $378,800

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
Nearby Flood Claims	1 (2018)
Most Recent Claim	Jul 2018 · rainfall accumulation

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 501 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Quantum Internet & Telephone Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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