538 Locust Ave, Westminster, MD 21157 Property Records

Carroll County property record for 538 Locust Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,647 sqft · built 1952
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jun 2022)
Tax Bill	$2,847 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-008171`

Property Details

APN / Parcel Number

Primary APN	`07-008171`
Alternative APNs	`7008171` `008171`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,647 sqft Total Area

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,375 sqft (0.215 acres)
Garage Type	Attached
Porch	Slab
Porch Area	378 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	008171
Street Address	538 LOCUST AVE
City	WESTMINSTER
State	MD
Zip	21157-6211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	PT LT17 + LTS 19,21- 538 LOCUST AVE 2/15 BUCKINGHAM VIEW SC F
Legal Subdivision	BUCKINGHAM VIEW
Legal Lot Number	17,19
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	2 Individual Names on Record
Mailing Address	538 LOCUST AVE, WESTMINSTER, MD 21157-6211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Dec 23, 2004 · Amount on Record
Deed Book / Page	10803 / 135
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 13, 2022
Property Address	538 LOCUST AVE, WESTMINSTER, MD 21157-6211
Document Number	0108030135
Book / Page	10803 / 135
Map Reference	MB 02 FO 15
Instrument Date	May 31, 2022
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	COMMUNITY TITLE NETWORK LLC

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

Mortgage

Document Number	0108030158
Date	Jun 13, 2022
Instrument	10803-0158

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNIT
Type	Government Agency

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0108030143
Date	Jun 13, 2022
Book Page	10803/143

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

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	$2,847.00 (+9.97%)	$254,200 (+37.33%) Land $80,000 Building $174,200	$254,200 (+37.33%) Land $80,000 Building $174,200
2025	$2,589.00 (+23.82%)
2023	$2,091.00 (+2.2%)	$185,100 (+2.19%) Land $80,000 Building $105,100	$185,100 (-) Land $80,000 Building $105,100
2022	$2,046.00 Homeowner's exemption	$181,133	$185,100 Land $80,000 Building $105,100

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.

Nearby Properties on Locust Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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