Carroll County property record for 409 Oak Ave, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1966 |
| Square Footage | 1,210 sqft Total Area |
| Lot Size | 11,238 sqft (0.258 acres) |
| Garage | Attached, 240 sqft |
| Last Sale | $339,900 (2021) |
| Tax Bill | $2,969.00 (2025) |
| Primary APN | 07-022921 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,210 sqft Total Area |
| Basement Area | 800 sqft Basement |
| Finished Basement | 800 sqft Finished |
| Stories | 1 Stories |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,238 sqft (0.258 acres) |
| Depth X Width | 150 ft x 75 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 240 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Account Number | 022921 |
|---|---|
| Street Address | 409 OAK AVE |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-6216 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LTS 42,44 & 46 - 112 409 OAK AVE 2-15 BUCKINGHAM VIEW SC B |
| Legal Subdivision | BUCKINGHAM VIEW |
| Legal Lot Number | 42,44 |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 7, WESTMINSTER |
| Census Blockgroup | 2 |
| Census Block | 2037 |
| Census Tract | 507602 |
Source: Carroll County records · APN 07-022921
Assessment roll updated August 5, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 224 CHENEY RD, 3105, VERSAILLES, KY 40383-8070 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 15, 2021 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 30, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage NORWICH COMMERCIAL GROUP INC |
| May 15, 2019 | Grant Deed, Transfer · Building or Construction Mortgage CHRISTINA N CAHILL-WELSH |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 15, 2021 · Amount on Record |
| Deed Sale | Nov 15, 2021 · Amount on Record |
| Prior Sale | May 15, 2019 · Amount on Record |
| Deed Book / Page | 10556 / 95 |
| Prior Transfer Date | Jan 27, 2020 |
| Prior Transfer Doc | 0097450132 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Nov 15, 2021 |
| Property Address | 409 OAK AVE, WESTMINSTER, MD 21157-6216 |
| Document Number | 0105560095 |
| Book / Page | 10556 / 95 |
| Map Reference | MB 2 FO 15 |
| Instrument Date | Oct 21, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 |
| Address | 224 CHENEY RD APT 3105, 3105, VERSAILLES, KY 40383-8070 |
| Document Number | 0001055699 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 10556/99 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jun 30, 2020 |
| Property Address | 409 OAK AVE, WESTMINSTER, MD 21157-6216 |
| Document Number | 0097450132 |
| Book / Page | 9745 / 132 |
| Map Reference | MB 2 FO 15 |
| Instrument Date | Jan 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | DEFINITIVE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 912 LORRAINE DR, FINKSBURG, MD 21048-1127 |
| Document Number | 0009745135 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 9745/135 |
| Name | NORWICH COMMERCIAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 356 Months |
| Due | Feb 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | May 15, 2019 |
| Property Address | 409 OAK AVE, WESTMINSTER, MD 21157-6216 |
| Document Number | 0092910028 |
| Book / Page | 009291 / 000028 |
| Instrument Date | May 01, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jun 03, 2019 |
| Title Company | DEFINITIVE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5004 WILLOW BRANCH WAY #3003 OWINGS MILLS MD 211175125, 3003, OWINGS MILLS, MD 21117-5125 |
| Document Number | 92910033 |
|---|---|
| Date | May 15, 2019 |
| Book Page | 009291/000033 |
| Name | CHRISTINA N CAHILL-WELSH |
|---|---|
| Address | 17405 RIDGE DR, ROCKVILLE, MD 20853-1040 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 14, 2020 |
Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $310,500 (+17.13%) Land $91,000 Building $219,500 | $310,500 (-) Land $91,000 Building $219,500 | |
| 2025 | $2,969.00 (+50.79%) | $265,100 (+52.09%) | $310,500 (+78.14%) Land $91,000 Building $219,500 |
| 2023 | $1,969.00 | $174,300 Land $91,000 Building $83,300 | $174,300 Land $91,000 Building $83,300 |
409 Oak Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Carroll County (24013C), updated March 11, 2016
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 41st in Maryland |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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