546 Willow Ave, Westminster, MD 21157 Property Records

Carroll County property record for 546 Willow Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,200 sqft · built 1986
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,040 (2026)
Deeds & Mortgages	Nov 2021 Transfer Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-007140`

Property Details

APN / Parcel Number

Primary APN	`07-007140`
Alternative APNs	`7007140` `007140`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,200 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Lot Depth	1 ft Depth
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	007140
Street Address	546 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 10-12 11250 SF 546 WILLOW AVE 2-15 BUCKINGHAM VIEW
Legal Subdivision	BUCKINGHAM VIEW
Legal Lot Number	10-12
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	2 Individual Names on Record
Mailing Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Intrafamily Transfer, Transfer
Aug 3, 2021	Deed of Trust, Mortgage · Commercial Mortgage NEW WINDSOR STATE BANK
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW WINDSOR STATE BANK
May 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage ACNB BANK
Jan 17, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage ACNB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 4, 2017
Transfer Doc	0089180263
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Nov 10, 2021
Property Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0105550011
Book / Page	10555 / 11
Map Reference	MB 2 FO 15
Instrument Date	Oct 26, 2021
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238
Transaction Type	Mortgage
Record Updated	Sep 6, 2021
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	0103920169
Date	Aug 3, 2021
Book Page	10392/169

Lender

Name	NEW WINDSOR STATE BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102590461
Date	May 10, 2021
Book Page	10259/461

Lender

Name	NEW WINDSOR STATE BANK
Type	Bank
Address	17328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0090080116
Date	May 9, 2018
Book Page	9008/0116

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Jan 17, 2018
Property Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238
Document Number	0089180263
Book / Page	8918 / 0263
Map Reference	MB2 FO15
Instrument Date	Jan 4, 2017
Instrument	8918-0263
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	MARYLAND TITLE CENTER LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 WILLOW AVE, WESTMINSTER, MD 21157-6238

Mortgage

Document Number	89180267
Date	Jan 17, 2018
Instrument	8918-0267

Lender

Name	ACNB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$3,040.00 (+5.04%) Homeowner's exemption	$279,200 (+5.73%) Land $91,000 Building $188,200	$279,200 (-) Land $91,000 Building $188,200
2025	$2,894.00 (+9.58%) Homeowner's exemption	$264,067 (+12.95%)	$279,200 (+19.42%) Land $91,000 Building $188,200
2023	$2,641.00 Homeowner's exemption	$233,800 Land $91,000 Building $142,800	$233,800 Land $91,000 Building $142,800

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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