Carroll County property record for 197 Opal Ave, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Architecture Style | Split Foyer |
| Year Built | Built 1976 |
| Square Footage | 1,044 sqft Total Area |
| Lot Size | 22,956 sqft (0.527 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $229,500 (2020) |
| Tax Bill | $3,292.00 (2025) |
Source: Carroll County records · APN 08-019614
Assessment roll updated August 5, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 197 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 02, 2026 | Deed of Trust, Mortgage · Line of Credit HOMETOWN EQUITY MORTGAGE |
| Apr 06, 2020 | Grant Deed, Transfer GEO-CORP |
| Mar 04, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 06, 2020 · Amount on Record |
| Deed Sale | Apr 06, 2020 · Amount on Record |
| Prior Sale | Mar 04, 2019 · Amount on Record |
| Deed Book / Page | 9622 / 463 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 197 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2026 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|
| Document Number | 0116750051 |
|---|---|
| Date | Feb 02, 2026 |
| Book Page | 11675/51 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKE FOREST, CA 92630 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Apr 06, 2020 |
| Property Address | 197 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| Document Number | 0096220463 |
| Book / Page | 009622 / 000463 |
| Instrument Date | Mar 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2020 |
| Title Company | GEMINI TITLE AND ESCROW LLC, GEMINI TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 197 OPAL AVE WESTMINSTER MD 211576631, WESTMINSTER, MD 21157-6631 |
| Document Number | 96220468 |
|---|---|
| Date | Apr 06, 2020 |
| Book Page | 009622/000468 |
| Name | GEO-CORP |
|---|---|
| Address | MONTEREY PARK, CA 91754 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 05, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Mar 04, 2019 |
| Property Address | 197 OPAL AVE, WESTMINSTER, MD 21157-6631 |
| Document Number | 0092330241 |
| Book / Page | 009233 / 000241 |
| Instrument Date | Jul 20, 2018 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $200.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Investor | Possibly a Property Investor |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $308,867 (+21.79%) | $349,400 (+21.07%) Land $162,100 Building $187,300 | |
| 2025 | $3,292.00 (+14.9%) | ||
| 2023 | $2,865.00 | $253,600 | $288,600 Land $107,000 Building $181,600 |
Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 08-019614 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 1,044 sqft Total Area |
| Basement Area | 500 sqft Basement |
| Finished Basement | 500 sqft Finished |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Split Foyer Style |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 22,956 sqft (0.527 acres) |
| Shed | 1 Shed |
| Shed Area | 296 sqft Shed |
| Deck Area | 168 sqft Deck |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 019614 |
|---|---|
| Street Address | 197 OPAL AVE |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-6631 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 23- 0.527 AC 197 OPAL AVE 10-94 ASPEN RUN PLT C |
| Legal Subdivision | ASPEN RUN |
| Legal Lot Number | 23 |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 8, HAMPSTEAD |
| Census Blockgroup | 2 |
| Census Block | 2008 |
| Census Tract | 508200 |
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