Carroll County property record for 522 Oak Tree Rd, Westminster, MD 21157 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1988 |
| Square Footage | 1,408 sqft Total Area |
| Lot Size | 82,764 sqft (1.9 acres) |
| Garage | Attached, 858 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $98,900 (1988) |
| Tax Bill | $4,691.00 (2025) |
| Primary APN | 14-029206 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,408 sqft Total Area |
| Basement Area | 700 sqft Basement |
| Finished Basement | 700 sqft Finished |
| Stories | 2 Stories |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Split Foyer Style |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 82,764 sqft (1.9 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 858 sqft Garage |
| Deck Area | 100 sqft Deck |
| Porch Area | 504 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 029206 |
|---|---|
| Street Address | 522 OAK TREE RD |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-8128 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT- 1.9056 ACS 522 OAK TREE RD NE OF BEAR BRANCH ROAD |
| Jurisdiction | CARROLL MD |
| Minor Civil Division | 14, BERRETT |
| Census Blockgroup | 2 |
| Census Block | 2002 |
| Census Tract | 514100 |
Source: Carroll County records · APN 14-029206
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 | 522 OAK TREE RD, WESTMINSTER, MD 21157-8128 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 03, 1988 · Amount on Record |
| Deed Sale | Aug 03, 1988 · Amount on Record |
| Prior Sale | Jul 16, 1987 · Amount on Record |
| Deed Book / Page | 1098 / 172 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 522 OAK TREE RD, WESTMINSTER, MD 21157-8128 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0109600479 |
|---|---|
| Date | Jan 10, 2023 |
| Book Page | 10960/479 |
| Name | POINT BREEZE CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
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 | $454,733 (+21.14%) | $485,700 (+23.65%) Land $209,000 Building $276,700 | |
| 2025 | $4,691.00 (+10.61%) Homeowner's exemption | ||
| 2023 | $4,241.00 Homeowner's exemption | $375,367 | $392,800 Land $189,000 Building $203,800 |
522 Oak Tree Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Carroll County (24013C), updated March 11, 2016
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 41st in Maryland |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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