21 Smith Ave, Westminster, MD 21157 Property Records

Carroll County property record for 21 Smith Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,704 sqft · built 1966
Lot Size	0.353 acres (15,376 sqft)
Owner	2 Individual Names on File
Last Sale	$378,000 (Sep 2021)
Tax Bill	$4,043 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-010397`

Property Details

APN / Parcel Number

Primary APN	`07-010397`
Alternative APNs	`7010397` `010397`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,704 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,376 sqft (0.353 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	010397
Street Address	21 SMITH AVE
City	WESTMINSTER
State	MD
Zip	21157-5727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 16 - 15376 SF 21 SMITH AVE 4-79 WINCHESTER PARK SC A
Legal Subdivision	WINCHESTER PARK
Legal Lot Number	16
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	4
Census Block	4007
Census Tract	507801

Owner

21 Smith Ave is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 SMITH AVE, WESTMINSTER, MD 21157-5727
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on File
Deed Sale	Sep 1, 2021 · Amount on File
Deed Book / Page	10435 / 404
Record Updated	Oct 29, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 1, 2021
Property Address	21 SMITH AVE, WESTMINSTER, MD 21157-5727
Document Number	0104350404
Book / Page	10435 / 404
Map Reference	MB 4 PG 79
Instrument Date	Aug 17, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 SMITH AVE, WESTMINSTER, MD 21157-5727

Mortgage

Document Number	0010435411
Date	Sep 1, 2021
Instrument	10435/411

Lender

Name	FIRST HERITAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 21 Smith Ave was $4,043, up 10.8% 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	$4,043.00 (+10.83%)	$361,000 Land $124,500 Building $236,500	$361,000 Land $124,500 Building $236,500
2025	$3,648.00
2023	$2,883.00	$255,200 Land $124,500 Building $130,700	$255,200 Land $124,500 Building $130,700

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

Flood

FEMA maps place 21 Smith Ave in Zone X, an area of minimal flood risk.

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	1 in force

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 21 Smith 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Ting.

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