413 Oak Ave, Westminster, MD 21157 Property Records

Carroll County property record for 413 Oak Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1 ba · 912 sqft · built 1955
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Feb 2026)
Tax Bill	$2,644 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-016603`

Property Details

APN / Parcel Number

Primary APN	`07-016603`
Alternative APNs	`7016603` `016603`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Deck Area	219 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	016603
Street Address	413 OAK AVE
City	WESTMINSTER
State	MD
Zip	21157-6216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LTS 38 & 40 - 7500 S 413 OAK AVE 2-15 SC B BUCKINGHAM VIEW
Legal Subdivision	BUCKINGHAM VIEW
Legal Lot Number	38
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2037
Census Tract	507602

Owner

Source: Carroll County records, as of October 20, 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 Record
Mailing Address	413 OAK AVE, WESTMINSTER, MD 21157-6216
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 26, 2026	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Jul 22, 2022	Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Jul 22, 2022 · Amount on Record
Deed Book / Page	11696 / 313
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	413 OAK AVE, WESTMINSTER, MD 21157-6216
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101070142
Date	Feb 17, 2021
Book Page	10107/142

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	304 Months
Due	Jun 1, 2046

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 26, 2026
Property Address	413 OAK AVE, WESTMINSTER, MD 21157-6216
Document Number	0116960313
Book / Page	11696 / 313
Map Reference	MB 2 FO 15
Instrument Date	Feb 19, 2026
Transaction Type	Transfer
Record Updated	Mar 10, 2026
Title Company	LEGACY SETTLEMENT SERVICES LLC, LEGACY SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$812.50
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	413 OAK AVE, WESTMINSTER, MD 21157-6216

Mortgage

Document Number	0011696319
Date	Feb 26, 2026
Instrument	11696/319

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 22, 2022
Property Address	413 OAK AVE, WESTMINSTER, MD 21157-6216
Document Number	0108390197
Book / Page	10839 / 197
Map Reference	MB 2 FO 15
Instrument Date	Jul 8, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount Recorded
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	415 OAK AVE, WESTMINSTER, MD 21157-6216

Mortgage

Document Number	0108390204
Date	Jul 22, 2022
Instrument	10839-0204

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

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	$2,644.00 (+12.27%)	$236,100 (+12.27%) Land $80,000 Building $156,100	$236,100 (-) Land $80,000 Building $156,100
2025	$2,355.00 (+31.34%)	$210,300 (+32.51%)	$236,100 (+48.77%) Land $80,000 Building $156,100
2023	$1,793.00	$158,700 Land $80,000 Building $78,700	$158,700 Land $80,000 Building $78,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Claims	2 (1979–1981)
Most Recent Claim	Oct 1981 · rainfall accumulation

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 331 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Ting, Verizon.

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