514 Willow Ave, Westminster, MD 21157 Property Records

Carroll County property record for 514 Willow Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,700 sqft · built 2008
Lot Size	0.086 acres (3,750 sqft)
Owner	Individual Name on File
Tax Bill	$3,188 (2026)
Deeds & Mortgages	Dec 2018 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-154003`

Property Details

APN / Parcel Number

Primary APN	`07-154003`
Alternative APN	`154003`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,700 sqft Total Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,750 sqft (0.086 acres)
Porch	Slab
Porch Area	108 sqft
Deck Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	154003
Street Address	514 WILLOW AVE
City	WESTMINSTER
State	MD
Zip	21157-6238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LT 49 - 3750 SQ FT W/S WILLOW AVE PLT 2-15 BUCKINGHAM VIEW SC E
Legal Lot Number	49
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2034
Census Tract	507602

Owner

514 Willow Ave is owned and occupied by an individual who acquired it in September 2011.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	514 WILLOW AVE, WESTMINSTER, MD 21157-6238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2018	Deed of Trust, Mortgage · FHA Mortgage NEW PENN FINANCIAL LLC
Oct 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage MONSTERLOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2011
Deed Sale	Sep 1, 2011
Prior Sale	May 1, 2006 · Amount on File
Deed Document Number	20116643/0147
Deed Book / Page	6643 / 147
Prior Transfer Date	Dec 12, 2008
Prior Transfer Doc	0056570498
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	514 WILLOW AVE, WESTMINSTER, MD 21157-6238
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	AVENUE 365 LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0091940332
Date	Dec 28, 2018
Book Page	9194/0332

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	514 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0095390398
Instrument Date	Oct 26, 2019
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	VANTAGE PT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 WILLOW AVE WESTMINSTER MD 211576238, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	0095390398
Date	Jan 15, 2020
Book Page	009539/000398

Lender

Name	MONSTERLOANS
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 514 Willow Ave was $3,188 with a homeowner's exemption, up 4.9% 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	$3,188.00 (+4.94%) Homeowner's exemption	$282,000 (+5.09%) Land $70,000 Building $212,000	$282,000 (-) Land $70,000 Building $212,000
2025	$3,038.00 Homeowner's exemption	$268,333	$282,000 Land $70,000 Building $212,000
2023	$2,723.00 Homeowner's exemption	$241,000 Land $80,000 Building $161,000	$241,000 Land $80,000 Building $161,000

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

Flood

FEMA maps place 514 Willow Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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

Wildfire risk around 514 Willow 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	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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