1. Home
  2. Maryland
  3. Carroll County
  4. Westminster
  5. Spruce Ave

515 Spruce Ave, Westminster, MD 21157 Property Records

Carroll County property record for 515 Spruce Ave, Westminster, MD 21157

Property Summary

Property TypeTownhouse
Details1.5 ba · 768 sqft · built 1975
Lot Size0.175 acres (7,623 sqft)
Owner2 Individual Names on File
Last Sale$222,000 (Mar 2020)
Tax Bill$2,405 (2026)
Deeds & MortgagesMar 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-040121

Property Details

APN / Parcel Number

Primary APN07-040121
Alternative APNs
  • 7040121
  • 040121

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area768 sqft Total Area
Basement Area700 sqft
Finished Basement700 sqft

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1975
Architectural StyleTownhouse
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area7,623 sqft (0.175 acres)

Exterior Amenities

Pool TypeIn-Ground Vinyl Pool
Pool Area512 sqft
PorchSlab
Porch Area144 sqft
Deck Area144 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerConnected

Location & Zoning

Account Number040121
Street Address515 SPRUCE AVE
CityWESTMINSTER
StateMD
Zip21157-6233
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Local Zoning CodeR-100
Legal DescriptionLTS 54, 56 & PT 58 - 515 SPRUCE AVE 2-15 BUCKINGHAM VIEW
Legal SubdivisionBUCKINGHAM VIEW
Legal Lot Number54,56
JurisdictionCARROLL MD
Township / Civil Division7, WESTMINSTER
Census Block Group2
Census Block2034
Census Tract507602

Owner

515 Spruce Ave, a townhouse, is owned and occupied by two individuals who acquired it in June 2025.

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

Owner of Record2 Individual Names on File
Mailing Address515 SPRUCE AVE, WESTMINSTER, MD 21157-6233
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 5, 2020 · Amount on File
Deed SaleMar 5, 2020 · Amount on File
Deed Book / Page9589 / 184
Last Transfer DateJun 27, 2025
Transfer Doc0115130236
Record UpdatedOct 29, 2026

March 2020: Deed, Transfer

Document TypeDeed
JurisdictionCARROLL MD
Recording DateMar 5, 2020
Property Address515 SPRUCE AVE, WESTMINSTER, MD 21157-6233
Document Number0095890184
Book / Page9589 / 184
Instrument DateFeb 28, 2020
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyLAKESIDE TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Severalty
Address515 SPRUCE AVE, WESTMINSTER, MD 21157-6233

Mortgage

Document Number0009589192
DateMar 5, 2020
Instrument9589/192
Lender
NameFIRST HERITAGE MORTGAGE LLC
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 515 Spruce Ave was $2,405 with a homeowner's exemption, up 5.6% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCarroll County
Unified School DistrictCarroll County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,405.00 (+5.58%) Homeowner's exemption$274,300 (+5.87%) Land $80,000 Building $194,300$274,300 (-) Land $80,000 Building $194,300
2025$2,278.00 Homeowner's exemption$259,100$274,300 Land $80,000 Building $194,300
2023$2,584.00 Homeowner's exemption$228,700 Land $80,000 Building $148,700$228,700 Land $80,000 Building $148,700

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

Flood

FEMA maps place 515 Spruce 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1979–1981)
Most Recent ClaimOct 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 515 Spruce 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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF WESTMINSTER
serves 35,256 people · EPA ID MD0060015
Water SourceSurface water
Last State InspectionAug 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
resolved · Apr 2018
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

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

May also be available: Ting, Verizon.

Nearby Properties on Spruce Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures