201 Opal Ave, Westminster, MD 21157 Property Records

Carroll County property record for 201 Opal Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,132 sqft · built 1977
Lot Size	0.527 acres (22,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Jun 2023)
Tax Bill	$3,717 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-019592`

Property Details

APN / Parcel Number

Primary APN	`08-019592`
Alternative APNs	`8019592` `019592`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,132 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,956 sqft (0.527 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	504 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	019592
Street Address	201 OPAL AVE
City	WESTMINSTER
State	MD
Zip	21157-6633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 21 -22956 SQ FT 201 OPAL AVE 10-94 SUMMER HILLS PLT C
Legal Subdivision	SUMMER HILLS SECTION OF ASPEN RUN
Legal Lot Number	21
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	2
Census Block	2008
Census Tract	508200

Owner

Source: Carroll County records, as of October 20, 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	201 OPAL AVE, WESTMINSTER, MD 21157-6633
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Deed, Transfer · Conventional Mortgage M & T BANK
Jun 22, 2020	Deed, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on Record
Deed Sale	Jun 5, 2023 · Amount on Record
Prior Sale	Jun 22, 2020 · Amount on Record
Deed Book / Page	11044 / 55
Prior Transfer Date	Jun 19, 2020
Prior Transfer Doc	0097300027
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 5, 2023
Property Address	201 OPAL AVE, WESTMINSTER, MD 21157-6633
Document Number	0110440055
Book / Page	11044 / 55
Map Reference	MB 10 FO 94
Instrument Date	May 30, 2023
Transaction Type	Transfer
Record Updated	Jun 23, 2023
Title Company	TITLE-RITE SERVICES INC, TITLE RITE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
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	201 OPAL AVE, WESTMINSTER, MD 21157-6633

Mortgage

Document Number	0110440061
Date	Jun 5, 2023
Instrument	11044-0061

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 22, 2020
Property Address	201 OPAL AVE, WESTMINSTER, MD 21157-6633
Document Number	0097300027
Book / Page	9730 / 27
Map Reference	MB 10 FO 94
Instrument Date	Jun 19, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	201 OPAL AVE, WESTMINSTER, MD 21157-6633

Mortgage

Document Number	0000973034
Date	Jun 22, 2020
Instrument	9730/34

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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	$3,717.00 (+5.42%) Homeowner's exemption	$351,633 (+10.06%)	$415,900 (+30.17%) Land $162,100 Building $253,800
2025	$3,526.00 (+11.58%) Homeowner's exemption	$319,500 (+14.23%) Land $107,000 Building $212,500	$319,500 (-) Land $107,000 Building $212,500
2023	$3,160.00	$279,700	$319,500 Land $107,000 Building $212,500

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
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

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	1,200 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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