69 Smith Ave, Westminster, MD 21157 Property Records

Carroll County property record for 69 Smith Ave, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,323 sqft · built 1960
Lot Size	0.367 acres (16,000 sqft)
Owner	2 Individual Names on File
Last Sale	$438,000 (Aug 2025)
Tax Bill	$3,971 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-000898`

Property Details

APN / Parcel Number

Primary APN	`07-000898`
Alternative APNs	`7000898` `000898`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,323 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	16,000 sqft (0.367 acres)
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	108 sqft
Deck Area	570 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	000898
Street Address	69 SMITH AVE
City	WESTMINSTER
State	MD
Zip	21157-5744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 8 - 16000 SF 69 SMITH AVE 4-79 WINCHESTER PARK SC A
Legal Subdivision	WINCHESTER PARK
Legal Lot Number	8
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	4
Census Block	4005
Census Tract	507801

Owner

69 Smith Ave is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	69 SMITH AVE, WESTMINSTER, MD 21157-5744
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 9, 2023	Special Warranty Deed, Transfer · FHA Mortgage M & T BANK
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2025 · Amount on File
Deed Sale	Aug 12, 2025 · Amount on File
Prior Sale	Jan 9, 2023 · Amount on File
Deed Book / Page	11540 / 194
Prior Transfer Date	Aug 29, 2013
Prior Transfer Doc	0074720354
Record Updated	Oct 29, 2026

January 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Jan 9, 2023
Property Address	69 SMITH AVE, WESTMINSTER, MD 21157-5744
Document Number	0109590472
Book / Page	10959 / 472
Map Reference	MB 4 FO 79
Instrument Date	Oct 26, 2022
Transaction Type	Transfer
Record Updated	Jan 26, 2023
Title Company	CAPITOL TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
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 by the Entirety
Address	69 SMITH AVE, WESTMINSTER, MD 21157-5744

Mortgage

Document Number	0109590479
Date	Jan 9, 2023
Book Page	10959/479

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	69 SMITH AVE, WESTMINSTER, MD 21157-5744
Document Number	0097780370
Instrument Date	Jul 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	69 SMITH AVE WESTMINSTER MD 211575744, WESTMINSTER, MD 21157-5744

Mortgage

Document Number	0097780370
Date	Jul 29, 2020
Book Page	009778/000370

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 28, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 69 Smith Ave was $3,971, up 38.7% from the year before.

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	$3,971.00 (+38.75%)	$354,600 Land $125,100 Building $229,500	$354,600 Land $125,100 Building $229,500
2025	$2,862.00 Homeowner's exemption
2023	$2,594.00	$229,600 Land $125,100 Building $104,500	$229,600 Land $125,100 Building $104,500

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

Flood

FEMA maps place 69 Smith Ave in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 69 Smith Ave is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Ting.

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