Carroll County property record for 203 Opal Ave, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,028 sqft · built 1978 |
| Lot Size | 0.527 acres (22,956 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $356,000 (May 2022) |
| Tax Bill | $3,964 (2026) |
| Deeds & Mortgages | May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-019584 |
| Primary APN | 08-019584 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,028 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,956 sqft (0.527 acres) |
| Garage Type | Carport |
| Garage Area | 288 sqft |
| Carport | Carport |
| Carport Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 019584 |
|---|---|
| Street Address | 203 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 20 - 0.527 ACS 203 OPAL AVE 10-94 PLT SUMMER HILLS SC ASPEN RU |
| Legal Subdivision | SUMMER HILLS SEC ASPEN RUN |
| Legal Lot Number | 20 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 8, HAMPSTEAD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 508200 |
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 | 203 OPAL AVE, WESTMINSTER, MD 21157-6633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on Record |
| Deed Sale | May 11, 2022 · Amount on Record |
| Prior Sale | Nov 21, 1986 · Amount on Record |
| Deed Book / Page | 10772 / 94 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 11, 2022 |
| Property Address | 203 OPAL AVE, WESTMINSTER, MD 21157-6633 |
| Document Number | 0107720094 |
| Book / Page | 10772 / 94 |
| Instrument Date | Apr 15, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2022 |
| Title Company | NORTH FRONTIER TITLE & ESCROW LLC, NORTH FRONTIER T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 203 OPAL AVE, WESTMINSTER, MD 21157-6633 |
| Document Number | 0107720102 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 10772-0102 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
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 | $3,964.00 (+6.27%) | $348,600 (+30.51%) | $390,400 (+19.13%) Land $162,100 Building $228,300 |
| 2025 | $3,730.00 (+23.59%) | ||
| 2023 | $3,018.00 | $267,100 | $327,700 Land $107,000 Building $220,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 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 |
5G (outdoors only) and 4G LTE
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