225 Shipley Ave, Westminster, MD 21157 Property Records

Carroll County property record for 225 Shipley Ave, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,140 sqft · built 1999
Lot Size	0.18 acres (7,860 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (May 2019)
Tax Bill	$2,641 (2026)
Deeds & Mortgages	Jan 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-138873`

Property Details

APN / Parcel Number

Primary APN	`07-138873`
Alternative APNs	`7138873` `138873`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,140 sqft Total Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,860 sqft (0.18 acres)
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	138873
Street Address	225 SHIPLEY AVE
City	WESTMINSTER
State	MD
Zip	21157-4326
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-750
Legal Description	LT 3 - 7860 SF 225 SHIPLEY AVE 2-63 SHIPLEYS ADD TO WEST
Legal Subdivision	SHIPLEYS ADD
Legal Lot Number	3
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3001
Census Tract	507601

Owner

225 Shipley Ave, a townhouse, is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	225 SHIPLEY AVE, WESTMINSTER, MD 21157-4326
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
Jan 6, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 28, 2019	Deed, Transfer · FHA Mortgage GMH MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2019 · Amount on File
Deed Sale	May 28, 2019 · Amount on File
Prior Sale	Aug 16, 2005 · Amount on File
Deed Book / Page	9299 / 282
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	225 SHIPLEY AVE, WESTMINSTER, MD 21157-4326
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	BETTERS LAW TITLE & SETTLEMENT LLC, BETTERS LAW TTL & STLMT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100320061
Date	Jan 6, 2021
Book Page	10032/61

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 28, 2019
Property Address	225 SHIPLEY AVE, WESTMINSTER, MD 21157-4326
Document Number	0092990282
Book / Page	9299 / 0282
Map Reference	MB 02 FO 63
Instrument Date	May 15, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MASTERS TITLE & ESCROW

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 in Severalty
Address	225 SHIPLEY AVE, WESTMINSTER, MD 21157-4326

Mortgage

Document Number	0009299289
Date	May 28, 2019
Instrument	9299/289

Lender

Name	GMH MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 225 Shipley Ave was $2,641, up 7.5% 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	$2,641.00 (+7.49%)	$235,800 Land $60,000 Building $175,800	$235,800 Land $60,000 Building $175,800
2025	$2,457.00
2023	$2,109.00	$186,700 Land $60,000 Building $126,700	$186,700 Land $60,000 Building $126,700

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

Flood

FEMA maps place 225 Shipley Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1990.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1990–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996 · river or lake flooding

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 225 Shipley 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 106 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
AT&T Fixed Wireless	100 / 20

May also be available: Antietam Cable, Quantum Internet & Telephone, Ting.

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