84 Willis St, Westminster, MD 21157 Property Records

Carroll County property record for 84 Willis St, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,428 sqft · built 1940
Lot Size	0.196 acres (8,554 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,900 (Jul 2020)
Tax Bill	$4,972 (2026)
Deeds & Mortgages	Apr 2019 Reverse Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-065701`

Property Details

APN / Parcel Number

Primary APN	`07-065701`
Alternative APNs	`7065701` `065701`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,428 sqft Total Area
Basement Area	250 sqft
Finished Basement	250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	8,554 sqft (0.196 acres)
Lot Dimensions	105 ft deep x 74 ft wide
Porch	Slab

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	065701
Street Address	84 WILLIS ST
City	WESTMINSTER
State	MD
Zip	21157-5128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-750
Legal Description	LT - 8554 SF 84 WILLIS ST INT LONGWELL AVE/WESTMIN
Legal Subdivision	WESTMINSTER
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1010
Census Tract	507602

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

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	84 WILLIS ST, WESTMINSTER, MD 21157-5128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2019	Deed of Trust, Mortgage · Reverse Mortgage M & T BANK
Oct 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP
Jul 16, 2020	Deed, Transfer · FHA Mortgage AMERIS BANK
Mar 6, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020 · Amount on Record
Deed Sale	Jul 16, 2020 · Amount on Record
Deed Book / Page	9762 / 154
Prior Transfer Date	May 4, 2006
Prior Transfer Doc	0048860122
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	84 WILLIS ST, WESTMINSTER, MD 21157-5128
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0092530285
Date	Apr 1, 2019
Book Page	9253/0285

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	766 Months
Due	Feb 21, 2083

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Apr 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	84 WILLIS ST, WESTMINSTER, MD 21157-5128
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0105150448
Date	Oct 20, 2021
Book Page	10515/448

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

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

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jul 16, 2020
Property Address	84 WILLIS ST, WESTMINSTER, MD 21157-5128
Document Number	0097620154
Book / Page	9762 / 154
Instrument Date	Jul 7, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY

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
Relationship	Tenants by the Entirety
Address	84 WILLIS ST, WESTMINSTER, MD 21157-5128

Mortgage

Document Number	0009762161
Date	Jul 16, 2020
Instrument	9762/161

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	84 WILLIS ST, WESTMINSTER, MD 21157-5128
Document Number	0092530307
Instrument Date	Mar 6, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	84 WILLIS ST WESTMINSTER MD 211575128, WESTMINSTER, MD 21157-5128

Mortgage

Document Number	0092530307
Date	Apr 1, 2019
Book Page	009253/000307

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	768 Months
Due	Mar 31, 2083

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

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	$4,972.00 (+5.01%) Homeowner's exemption	$300,900 (+4.99%) Land $83,000 Building $217,900	$300,900 (-) Land $83,000 Building $217,900
2025	$4,735.00 (+8.6%) Homeowner's exemption	$286,600 (+11.09%)	$300,900 (+16.63%) Land $83,000 Building $217,900
2023	$4,360.00 Homeowner's exemption	$258,000 Land $83,000 Building $175,000	$258,000 Land $83,000 Building $175,000

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	1 (2018)
Most Recent Claim	Jul 2018 · 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	None beyond 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 292 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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