513 Willow Ave, Westminster, MD 21157 Property Records

Carroll County property record for 513 Willow Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,116 sqft · built 1996
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Sep 2017)
Tax Bill	$2,736 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-135696`

Property Details

APN / Parcel Number

Primary APN	`07-135696`
Alternative APNs	`7135696` `135696`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,116 sqft Total Area
Basement Area	540 sqft
Finished Basement	540 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,750 sqft (0.086 acres)
Garage Type	Attached
Garage Area	312 sqft
Porch	Slab
Porch Area	16 sqft
Deck Area	234 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	135696
Street Address	513 WILLOW AVE
City	WESTMINSTER
State	MD
Zip	21157-6237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 48 - 3750 SF 513 WILLOW AVE 2-15 BUCKINGHAM VIEW
Legal Subdivision	BUCKINGHAM VIEW
Legal Lot Number	48
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2041
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	Individual Name on Record
Mailing Address	513 WILLOW AVE, WESTMINSTER, MD 21157-6237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 29, 2017	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Prior Sale	Jun 5, 2007
Deed Document Number	20178819-0238
Deed Book / Page	8819 / 238
Prior Transfer Date	May 23, 2007
Prior Transfer Doc	0052520298
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	513 WILLOW AVE, WESTMINSTER, MD 21157-6237
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101350001
Date	Mar 2, 2021
Book Page	10135/1

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Oct 1, 2047

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 29, 2017
Property Address	513 WILLOW AVE, WESTMINSTER, MD 21157-6237
Document Number	0088190238
Book / Page	008819 / 000238
Instrument Date	Jul 14, 2017
Transaction Type	Transfer
Record Updated	Feb 1, 2018
Title Company	HOME FIRST TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 WILLOW AVE WESTMINSTER MD 211576237, WESTMINSTER, MD 21157-6237

Mortgage

Document Number	88190243
Date	Sep 29, 2017
Book Page	008819/000243

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

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	$2,736.00 (+4.59%) Homeowner's exemption	$244,300 (+4.57%) Land $70,000 Building $174,300	$244,300 (-) Land $70,000 Building $174,300
2025	$2,616.00 (+9.09%) Homeowner's exemption	$233,633 (+10.05%)	$244,300 (+15.07%) Land $70,000 Building $174,300
2023	$2,398.00 Homeowner's exemption	$212,300 Land $80,000 Building $132,300	$212,300 Land $80,000 Building $132,300

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

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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