55 Pennsylvania Ave, Westminster, MD 21157 Property Records

Carroll County property record for 55 Pennsylvania Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,378 sqft · built 1880
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$474,000 (Jan 2026)
Tax Bill	$7,833 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-065604`

Property Details

APN / Parcel Number

Primary APN	`07-065604`
Alternative APNs	`7065604` `065604`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,378 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick
Roof Material	Slate
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	135 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	261 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	065604
Street Address	55 PENNSYLVANIA AVE
City	WESTMINSTER
State	MD
Zip	21157-4501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT - 10890 SQ FT 55 PENNA AVE WESTMINSTER
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	3
Census Block	3018
Census Tract	507500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Westminster Historic District (Additional Documentation) listed 1980 · 1,246 contributing resources · NRIS 80001804

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

55 Pennsylvania Ave is owned and occupied by two individuals who bought it in January 2026.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	55 PENNSYLVANIA AVE, WESTMINSTER, MD 21157-4501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST FCU
Jan 7, 2026	Special Warranty Deed, Transfer · FmHA Mortgage TOWNEBANK MORTGAGE
Nov 1, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on File
Deed Sale	Jan 7, 2026 · Amount on File
Prior Sale	Aug 26, 2002 · Amount on File
Deed Book / Page	11660 / 58
Prior Transfer Date	Jun 13, 2025
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	55 PENNSYLVANIA AVE, WESTMINSTER, MD 21157-4501
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	NORTHWEST TITLE COMPANY, NORTHWEST T&E CORP MN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0101690359
Date	Mar 18, 2021
Book Page	10169/359

Lender

Name	NORTHWEST FCU
Type	Credit Union
Address	HERNDON, VA 20170

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 7, 2026
Property Address	55 PENNSYLVANIA AVE, WESTMINSTER, MD 21157-4501
Document Number	0116600058
Book / Page	11660 / 58
Instrument Date	Dec 31, 2025
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	UNKNOWN, MANOR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,370.00
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 Common
Address	55 PENNSYLVANIA AVE, WESTMINSTER, MD 21157-4501

Mortgage

Document Number	0001166064
Date	Jan 7, 2026
Instrument	11660/64

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FmHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Nov 1, 2022
Property Address	55 PENNSYLVANIA AVE, WESTMINSTER, MD 21157-4501
Document Number	0109210497
Book / Page	10921 / 497
Instrument Date	Oct 8, 2022
Transaction Type	Transfer
Record Updated	Dec 29, 2022

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 with Right of Survivorship
Address	55 PENNSYLVANIA AVE, WESTMINSTER, MD 21157-4501

Tax Assessment & Valuation

The 2026 property tax bill for 55 Pennsylvania Ave was $7,833, up 8.5% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Municipality	Westminster City
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,833.00 (+8.51%)	$466,300 (+8.5%) Land $76,000 Building $390,300	$466,300 (-) Land $76,000 Building $390,300
2025	$7,219.00	$429,767	$466,300 Land $76,000 Building $390,300
2023	$6,028.00	$356,700 Land $76,000 Building $280,700	$356,700 Land $76,000 Building $280,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 55 Pennsylvania Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 11, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 55 Pennsylvania Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Ting Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Quantum Internet & Telephone, Verizon.

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