528 Willow Ave, Westminster, MD 21157 Property Records

Carroll County property record for 528 Willow Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,440 sqft · built 1942
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Jul 2022)
Tax Bill	$2,554 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-036728`

Property Details

APN / Parcel Number

Primary APN	`07-036728`
Alternative APN	`036728`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,440 sqft Total Area
Basement Area	120 sqft
Finished Basement	120 sqft

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Porch	Slab
Porch Area	36 sqft
Deck Area	426 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	036728
Street Address	528 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	LTS 25,27 & 29 - 112 528 WILLOW AVE 2-15 BUCKINGHAM VIEW BLK E
Legal Subdivision	BUCKINGHAM VIEW
Legal Block	E
Legal Lot Number	25,27
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2034
Census Tract	507602

Owner

Source: Carroll County records, as of August 18, 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	528 WILLOW AVE, WESTMINSTER, MD 21157-6238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed, Transfer · Commercial Mortgage MICAHEL BALL ETAL
Feb 22, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 17, 2020	Deed of Trust, Mortgage · Line of Credit NWSB BK
Apr 21, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Sep 8, 2018	Deed of Trust, Mortgage · FHA Mortgage GOTMORTGAGE.COM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2022 · Amount on Record
Deed Sale	Jul 26, 2022 · Amount on Record
Prior Sale	Jun 18, 2003 · Amount on Record
Deed Book / Page	10841 / 480
Prior Transfer Date	Feb 19, 2016
Prior Transfer Doc	0082380477
Record Updated	Sep 20, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 26, 2022
Property Address	528 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0108410480
Book / Page	10841 / 480
Map Reference	MB 2 PG 15
Instrument Date	Jul 21, 2022
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 WILLOW AVE, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	0108410484
Date	Jul 26, 2022
Instrument	10841-0484

Lender

Name	MICAHEL BALL ETAL
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	528 WILLOW AVE, WESTMINSTER, MD 21157-6238
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106790145
Date	Feb 22, 2022
Book Page	10679/145

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	528 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0097710191
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	CORPORATE SETTLEMENT SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 WILLOW AVE WESTMINSTER MD 211576238, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	0097710191
Date	Jul 23, 2020
Book Page	009771/000191

Lender

Name	NWSB BK
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	528 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0096580489
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	528 WILLOW AVE WESTMINSTER MD 211576238, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	0096580489
Date	May 4, 2020
Book Page	009658/000489

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	528 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0091300462
Instrument Date	Sep 8, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	528 WILLOW AVE WESTMINSTER MD 211576238, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	0091300462
Date	Sep 28, 2018
Book Page	009130/000462

Lender

Name	GOTMORTGAGE.COM
Type	Mortgage Company
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of August 5, 2025

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		$250,900 (+10.01%) Land $91,000 Building $159,900	$250,900 (-) Land $91,000 Building $159,900
2025	$2,554.00 (+23.92%)	$228,067 (+25.04%)	$250,900 (+37.55%) Land $91,000 Building $159,900
2023	$2,061.00	$182,400 Land $91,000 Building $91,400	$182,400 Land $91,000 Building $91,400

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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