Carroll County property record for 204 Opal Ave, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,392 sqft · built 1978 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,296 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-019630 |
| Primary APN | 08-019630 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,392 sqft Total Area |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 23,958 sqft (0.55 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 364 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 019630 |
|---|---|
| Street Address | 204 OPAL AVE |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-6634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-400 |
| Legal Description | LT. 28 0.55 AC PLT. 10-94 PLT C SUMMER HILLSW OF HOUCKSVILLE |
| Legal Subdivision | ASPEN RUN SUMMER HILLS SEC |
| Legal Lot Number | 28 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 8, HAMPSTEAD |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 508200 |
204 Opal Ave is owned and occupied by two individuals.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 204 OPAL AVE, WESTMINSTER, MD 21157-6634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 19, 2023 | Deed of Trust, Mortgage · Unknown ACNB BANK |
| Jun 28, 2017 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 204 OPAL AVE, WESTMINSTER, MD 21157-6634 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2023 |
| Title Company | CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN |
| Name | Verified Name |
|---|---|
| Address | 204 OPAL AVE, WESTMINSTER, MD 21157-6634 |
| Document Number | 0110770098 |
|---|---|
| Date | Jul 19, 2023 |
| Book Page | 11077/98 |
| Name | ACNB BANK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Unknown |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 204 OPAL AVE, WESTMINSTER, MD 21157-6634 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0087340040 |
|---|---|
| Date | Jun 28, 2017 |
| Book Page | 8734/0040 |
| Instrument | 8734-0040 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | 00000 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 204 Opal Ave was $4,296, up 5.8% from the year before.
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 | $4,296.00 (+5.79%) | $378,300 | $420,300 Land $164,000 Building $256,300 |
| 2025 | $4,061.00 | ||
| 2023 | $3,511.00 | $310,767 | $357,300 Land $108,900 Building $248,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 Opal Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2005.
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 risk around 204 Opal Ave 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.
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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