Carroll County property record for 45 Smith Ave, Westminster, MD 21157 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,073 sqft · built 1964 |
| Lot Size | 0.428 acres (18,643 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Jun 2015) |
| Tax Bill | $3,691 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-026315 |
| Primary APN | 07-026315 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,073 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 18,643 sqft (0.428 acres) |
| Garage Type | Attached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 696 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 026315 |
|---|---|
| Street Address | 45 SMITH AVE |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-5743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 13 & PT 61 - 186 45 SMITH AVE 4-79 SC A WINCHESTER PARK 5-23 SC |
| Legal Subdivision | WINCHESTER PARK SEC D |
| Legal Lot Number | 13 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 507801 |
Source: Carroll County records · APN 07-026315
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 | 45 SMITH AVE, WESTMINSTER, MD 21157-5743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Dec 13, 2019 | Deed of Trust, Mortgage · Conventional with PMI NWSB BK |
| Jul 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NEW WINDSOR ST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 11, 2015 · Amount on Record |
| Deed Sale | Jun 11, 2015 · Amount on Record |
| Deed Book / Page | 8000 / 71 |
| Last Transfer Date | Nov 29, 2016 |
| Transfer Doc | 0085450137 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 45 SMITH AVE, WESTMINSTER, MD 21157-5743 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 45 SMITH AVE, WESTMINSTER, MD 21157-5743 |
| Document Number | 0108080455 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 10808/455 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 45 SMITH AVE, WESTMINSTER, MD 21157-5743 |
| Document Number | 0095250442 |
| Instrument Date | Dec 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2020 |
| Title Company | LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 SMITH AVE WESTMINSTER MD 211575743, WESTMINSTER, MD 21157-5743 |
| Document Number | 0095250442 |
|---|---|
| Date | Jan 03, 2020 |
| Book Page | 009525/000442 |
| Name | NWSB BK |
|---|---|
| Address | GETTYSBURG, PA 17325 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 02, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 45 SMITH AVE, WESTMINSTER, MD 21157-5743 |
| Document Number | 0087560394 |
| Book / Page | 008756 / 000394 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2017 |
| Name | Verified Name |
|---|---|
| Address | 45 SMITH AVE WESTMINSTER MD 211575743, WESTMINSTER, MD 21157-5743 |
| Document Number | 0087560394 |
|---|---|
| Date | Jul 25, 2017 |
| Book Page | 008756/000394 |
| Name | NEW WINDSOR ST BK |
|---|---|
| Type | Bank |
| Address | TANEYTOWN, MD 21787 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $350,700 (+21.98%) Land $127,300 Building $223,400 | $350,700 (+21.98%) Land $127,300 Building $223,400 | |
| 2025 | $3,691.00 (+13.64%) | ||
| 2023 | $3,248.00 | $287,500 Land $127,300 Building $160,200 | $287,500 Land $127,300 Building $160,200 |
Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135078014, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 91 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 250 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Ting Fiber. Availability varies by address; speeds are provider-advertised maximums, not measured.
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