540 Willow Ave, Westminster, MD 21157 Property Records

Carroll County property record for 540 Willow Ave, Westminster, MD 21157

Property Summary

Property Type	Townhouse
Details	1 ba · 1,254 sqft · built 1940
Lot Size	0.075 acres (3,270 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jan 2021)
Tax Bill	$2,290 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-036914`

Property Details

APN / Parcel Number

Primary APN	`07-036914`
Alternative APNs	`7036914` `036914`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,254 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,270 sqft (0.075 acres)
Porch	Slab
Porch Area	112 sqft
Deck Area	162 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	036914
Street Address	540 WILLOW AVE
City	WESTMINSTER
State	MD
Zip	21157-6238
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R-100
Legal Description	PT LT 13 - 3270 SF 540 WILLOW AVE 2-15 BUCKINGHAM VIEW SC E
Legal Subdivision	BUCKINGHAM VIEW SEC E
Legal Lot Number	13
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 October 20, 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	540 WILLOW AVE, WESTMINSTER, MD 21157-6238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Jan 11, 2021	Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Prior Sale	Dec 20, 1983 · Amount on Record
Deed Book / Page	10044 / 351
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 11, 2021
Property Address	540 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0100440051
Book / Page	10044 / 351
Map Reference	LB 194 FO 365
Instrument Date	Dec 30, 2020
Transaction Type	Transfer
Record Updated	Feb 7, 2021
Title Company	SAFEGUARD TITLE INS AGCY INC

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	540 WILLOW AVE, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	100440358
Date	Jan 11, 2021
Instrument	10044-0358

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 11, 2021
Property Address	540 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0100440351
Book / Page	10044 / 351
Map Reference	LB 194 FO 365
Instrument Date	Dec 30, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SAFEGUARD TITLE INSURANCE AGENCY INC, SAFEGUARD TITLE INS AGCY INC

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	540 WILLOW AVE, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	0010044358
Date	Jan 11, 2021
Instrument	10044/358

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

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	$2,290.00 (+6.96%)	$204,500 (+24.24%) Land $70,000 Building $134,500	$204,500 (+24.24%) Land $70,000 Building $134,500
2025	$2,141.00 (+15.17%)
2023	$1,859.00	$164,600 Land $70,000 Building $94,600	$164,600 Land $70,000 Building $94,600

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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