196 Greenvale Rd, Westminster, MD 21157 Property Records

Carroll County property record for 196 Greenvale Rd, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,176 sqft · built 2001
Lot Size	0.24 acres (10,450 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,494 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-138431`

Property Details

APN / Parcel Number

Primary APN	`07-138431`
Alternative APNs	`7138431` `138431`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,176 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,450 sqft (0.24 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	138431
Street Address	196 GREENVALE RD
City	WESTMINSTER
State	MD
Zip	21157-4466
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 18 -10450 SQ FT GREENVALE RD 43-126/124 FRIENDSHIP OVERLOOK AMND
Legal Subdivision	FRIENDSHIP OVERLOOK AMD
Legal Lot Number	18
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2004
Census Tract	507801

Owner

196 Greenvale Rd is owned and occupied by two individuals.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	196 GREENVALE RD, WESTMINSTER, MD 21157-4466
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jun 22, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 13, 2017	Deed of Trust, Mortgage · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Oct 15, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	196 GREENVALE RD, WESTMINSTER, MD 21157-4466
Transaction Type	Mortgage
Record Updated	Sep 6, 2023
Title Company	HOME FIRST TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 GREENVALE RD, WESTMINSTER, MD 21157-4466

Mortgage

Document Number	0110940157
Date	Aug 16, 2023
Book Page	11094/157

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	196 GREENVALE RD, WESTMINSTER, MD 21157-4466
Transaction Type	Mortgage
Record Updated	Jul 13, 2022
Title Company	RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108150411
Date	Jun 22, 2022
Book Page	10815/411

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	LEESBURG, VA 20175

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	196 GREENVALE RD, WESTMINSTER, MD 21157-4466
Transaction Type	Mortgage
Record Updated	May 10, 2021
Title Company	HOME FIRST TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100860221
Date	Feb 4, 2021
Book Page	10086/221

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	196 GREENVALE RD, WESTMINSTER, MD 21157-4466
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0087460280
Date	Jul 13, 2017
Book Page	8746/0280
Instrument	8746-0280

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	196 GREENVALE RD, WESTMINSTER, MD 21157-4466
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094430335
Date	Oct 15, 2019
Book Page	9443/0335

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 196 Greenvale Rd was $5,494 with a homeowner's exemption, up 5.1% 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	$5,494.00 (+5.15%) Homeowner's exemption	$513,600 Land $130,300 Building $383,300	$513,600 Land $130,300 Building $383,300
2025	$5,225.00 Homeowner's exemption
2023	$4,764.00 Homeowner's exemption	$421,600 Land $130,300 Building $291,300	$421,600 Land $130,300 Building $291,300

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

Flood

FEMA maps place 196 Greenvale Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2010 · other causes

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 196 Greenvale 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.

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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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