545 Locust Ave, Westminster, MD 21157 Property Records

Carroll County property record for 545 Locust Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,386 sqft · built 1925
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Feb 2021)
Tax Bill	$2,565 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Sep 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`07-012438`

Property Details

APN / Parcel Number

Primary APN	`07-012438`
Alternative APNs	`7012438` `012438`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,386 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Metal
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Detached
Garage Area	484 sqft
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	012438
Street Address	545 LOCUST AVE
City	WESTMINSTER
State	MD
Zip	21157-6210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-100
Legal Description	LTS 14 & 16 - 7500 S 545 LOCUST AVE 2-15 BUCKINGHAM VIEW SC G
Legal Subdivision	BUCKINGHAM VIEW
Legal Lot Number	14
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2042
Census Tract	507602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	545 LOCUST AVE, WESTMINSTER, MD 21157-6210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed, Transfer · Conventional Mortgage APEX HOME LOANS INC
Sep 16, 2020	Grant Deed, Transfer · Construction Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 16, 2021 · Amount on Record
Deed Sale	Feb 16, 2021 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Book / Page	10105 / 369
Prior Transfer Date	Apr 16, 2013
Prior Transfer Doc	0073050187
Record Updated	Sep 20, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Feb 16, 2021
Property Address	545 LOCUST AVE, WESTMINSTER, MD 21157-6210
Document Number	0101050369
Book / Page	10105 / 369
Map Reference	LB EMM 150 FO 546
Instrument Date	Feb 1, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMAPNY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants in Severalty
Address	545 LOCUST AVE, WESTMINSTER, MD 21157-6210

Mortgage

Document Number	0010105375
Date	Feb 16, 2021
Instrument	10105/375

Lender

Name	APEX HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 16, 2020
Property Address	545 LOCUST AVE, WESTMINSTER, MD 21157-6210
Document Number	0098530139
Book / Page	009853 / 000139
Instrument Date	Sep 9, 2020
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE CO INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	187 GREENVALE RD WESTMINSTER MD 211574467, WESTMINSTER, MD 21157-4467

Mortgage

Document Number	98530147
Date	Sep 16, 2020
Book Page	009853/000147

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	NEW MARKET, MD 21774

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 15, 2021

Mortgage

Document Number	98530164,
Date	Sep 16, 2020
Book Page	009853/000164

Lender

Name	BARSHEL PROPERTIES LLC
Address	10594 EDWARDIAN LN, NEW MARKET, MD 21774-6229

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 15, 2021

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		$271,600 (+18.57%) Land $80,000 Building $191,600	$271,600 (-) Land $80,000 Building $191,600
2025	$2,565.00 (+57.65%)	$229,067 (+59.07%)	$271,600 (+88.61%) Land $80,000 Building $191,600
2023	$1,627.00 (+0.74%)	$144,000 (+0.75%) Land $80,000 Building $64,000	$144,000 (-) Land $80,000 Building $64,000
2022	$1,615.00	$142,933	$144,000 Land $80,000 Building $64,000

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

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 USA Fixed Wireless	100 / 20

May also be available: Ting Fiber, Verizon.

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