208 Opal Ave, Westminster, MD 21157 Property Records

Carroll County property record for 208 Opal Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,601 sqft · built 1972
Lot Size	0.791 acres (34,455 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jun 2023)
Tax Bill	$4,080 (2026)
Deeds & Mortgages	Jun 2023 Second Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-019169`

Property Details

APN / Parcel Number

Primary APN	`08-019169`
Alternative APNs	`8019169` `019169`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,601 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	34,455 sqft (0.791 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	648 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	019169
Street Address	208 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 30 - 34455 SQ FT 208 OPAL AVE 9-70 PLT B SUMMER HILL SEC/ASPEN RU
Legal Subdivision	SUMMER HILLS
Legal Lot Number	30
Jurisdiction	CARROLL MD
Township / Civil Division	8, HAMPSTEAD
Census Block Group	2
Census Block	2010
Census Tract	508200

Owner

208 Opal Ave is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	208 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.

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST HOME MORTGAGE CORP
Jun 8, 2023	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Apr 20, 2017	Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2023 · Amount on File
Deed Sale	Jun 8, 2023 · Amount on File
Prior Sale	Apr 20, 2017 · Amount on File
Deed Book / Page	11046 / 161
Prior Transfer Date	Sep 21, 2016
Prior Transfer Doc	0084880240
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	208 OPAL AVE, WESTMINSTER, MD 21157-6634
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110460185
Date	Jun 8, 2023
Book Page	11046/185

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 8, 2023
Property Address	208 OPAL AVE, WESTMINSTER, MD 21157-6634
Document Number	0110460161
Book / Page	11046 / 161
Map Reference	MB 9 FO 70
Instrument Date	May 26, 2023
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,062.50
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	208 OPAI AVENUE, WESTMINSTER, MD 21157-6634

Mortgage

Document Number	0110460170
Date	Jun 8, 2023
Book Page	11046/170

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company
Address	MIDDLE RIVER, MD 21220

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Apr 20, 2017
Property Address	208 OPAL AVE, WESTMINSTER, MD 21157-6634
Document Number	0086650238
Book / Page	8665 / 0238
Map Reference	MB9 FO70
Instrument Date	Apr 12, 2017
Instrument	8665-0238
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	GEMINI TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0086650243
Date	Apr 20, 2017
Book Page	8665/0243
Instrument	8665-0243

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 208 Opal Ave was $4,080 with a homeowner's exemption, up 5.3% 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	$4,080.00 (+5.34%) Homeowner's exemption	$382,800 (+9.12%)	$446,800 (+27.37%) Land $183,300 Building $263,500
2025	$3,873.00 Homeowner's exemption	$350,800 Land $128,200 Building $222,600	$350,800 Land $128,200 Building $222,600
2023	$3,478.00 (+7.51%)	$307,800 (+7.51%)	$350,800 (+22.53%) Land $128,200 Building $222,600
2022	$3,235.00 Homeowner's exemption	$286,300 Land $128,200 Building $158,100	$286,300 Land $128,200 Building $158,100

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

Flood

FEMA maps place 208 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

Wildfire risk around 208 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.

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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