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151 Smith Ave, Westminster, MD, 21157

4beds
3baths
2,350sqft
$450,000
$191price/sqft
$3,012/moest. monthly cost
$120,480/yrincome needed

About This Home

Modern with traditional accents, this 4 bedroom and den, 2.5 bath Rancher with 2 car garage on .48 acre is full of charm and character. Updates include brand new doors for all bedrooms and bathroom on main level, lower level half bath faucet and some fresh paint in 2026. 6 inch seamless gutters and downspouts in 2025, heat pump and water heater new in 2024 and roof on main house in 2022. Double pane double hung windows, ceiling fans in kitchen and main level bedrooms and radon remediation system installed in 2021. Features include hardwood floor, wainscotting, built-ins throughout, chair rail, crown molding, stainless steel appliances, granite counter, tile backsplash, updated main level bath (marble counter, luxury sink and faucet, tub shower with designer octagon surround), upper level primary bed and bath suite with vaulted ceiling, finished lower level, covered front porch, all brick exterior, enclosed breezeway between house and garages, 2 car garage (separate bays), fenced rear yard (chain link with wood trim, has single door and double door gates), rear brick paver patio, 2nd driveway (unpaved/grass/dirt), public water & sewer, all appliances included and so much more! Conveniently located near Hoffman's Ice Cream, CC Hospital Center, the Farm Museum and Ag Center. Exhaust fan in kitchen wall, fireplace in living room, wall heater in primary bath and garage opener are all as is. Bonus/mud room does not have heat or a/c

Getting Around

23
WalkingCar-Dependent
13
TransitMinimal Transit
26
BikeSomewhat Bikeable

Schools

7/10
8/10
Westminster High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Good
  • Year built: 1952

Materials

  • Foundation: Active Radon Mitigation,Permanent
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch/Rambler,Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Extra Refrigerator/Freezer,Microwave,Oven/Range - Electric,Refrigerator,Stainless Steel Appliance(s),Washer,Water Heater,Electric Water Heater
  • Laundry features: In Basement,Dryer In Unit,Has Laundry,Hookup,Lower Level,Washer In Unit,Laundry Room,Mud Room

Basement

  • Has basement: Yes
  • Basement: Connecting Stairway,Partial,Full,Heated,Improved,Interior Entry,Partially Finished

Bedroom2

  • Features: Ceiling Fan(s),Flooring - HardWood,Lighting - Ceiling
  • Level: Main
  • Area: 143
  • Dimensions: 11 X 13

Bedroom3

  • Features: Ceiling Fan(s),Flooring - HardWood,Lighting - Ceiling
  • Level: Main
  • Area: 108
  • Dimensions: 9 X 12

Bedroom4

  • Features: Ceiling Fan(s),Crown Molding,Flooring - HardWood,Lighting - Ceiling,Window Treatments
  • Level: Main
  • Area: 88
  • Dimensions: 8 X 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Den

  • Features: Ceiling Fan(s),Flooring - Carpet,Lighting - Ceiling
  • Level: Lower
  • Area: 143
  • Dimensions: 11 X 13

Dining Room

  • Features: Dining Area,Flooring - HardWood,Window Treatments
  • Level: Main
  • Area: 130
  • Dimensions: 10 X 13

Features

  • Bathroom - Tub Shower,Built-in Features,Ceiling Fan(s),Chair Railings,Combination Dining/Living,Crown Molding,Dining Area,Entry Level Bedroom,Open Floorplan,Floor Plan - Traditional,Kitchen - Country,Primary Bath(s),Upgraded Countertops,Wainscotting
  • Door features: Double Entry,Insulated,Storm Door(s)
  • Window features: Bay/Bow,Double Hung,Double Pane Windows,Insulated Windows,Screens,Window Treatments
  • Flooring: Concrete,Hardwood,Luxury Vinyl,Vinyl,Wood
  • Number of fireplaces: 1
  • Fireplace features: Mantel(s),Decorative,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 600
  • Finished area above ground: 1,750

Half Bath

  • Features: Flooring - Concrete
  • Level: Lower

Heating & Cooling

  • Heating features: Central,Heat Pump,Radiator,Electric,Oil
  • Cooling features: Ceiling Fan(s),Central Air,Heat Pump,Electric

Interior Area

  • Total structure area: 2,830
  • Total interior livable area: 2,350 sqft

Kitchen

  • Features: Ceiling Fan(s),Chair Rail,Granite Counters,Flooring - Vinyl,Kitchen - Country,Kitchen - Electric Cooking,Lighting - Ceiling
  • Level: Main
  • Area: 108
  • Dimensions: 9 X 12

Laundry

  • Features: Built-in Features,Flooring - Vinyl
  • Level: Lower
  • Area: 135
  • Dimensions: 9 X 15

Living Room

  • Features: Fireplace - Wood Burning,Flooring - HardWood,Window Treatments
  • Level: Main
  • Area: 169
  • Dimensions: 13 X 13

Mud Room

  • Features: Built-in Features,Countertop(s) - Solid Surface,Flooring - Luxury Vinyl Plank
  • Level: Main
  • Area: 99
  • Dimensions: 9 X 11

Other

  • Features: Bathroom - Tub Shower,Countertop(s) - Solid Surface,Flooring - Ceramic Tile
  • Level: Main

Primary Bathroom

  • Features: Bathroom - Tub Shower,Built-in Features,Cathedral/Vaulted Ceiling,Flooring - Vinyl
  • Level: Upper

Primary Bedroom

  • Features: Attached Bathroom,Built-in Features,Cathedral/Vaulted Ceiling,Flooring - HardWood
  • Level: Upper
  • Area: 220
  • Dimensions: 10 X 22

Recreation Room

  • Features: Attached Bathroom,Basement - Finished,Flooring - Concrete
  • Level: Lower
  • Area: 225
  • Dimensions: 15 X 15

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 0707015526
  • Zoning: R-100
  • Zoning description: Residential
  • Special condition: Standard

Features

  • Levels: Two and One Half
  • Stories: 2
  • Pool features: None
  • Patio & porch: Breezeway,Brick,Patio,Porch,Roof
  • Exterior features: Awning(s),Chimney Cap(s),Lighting,Rain Gutters
  • Fencing: Chain Link,Partial,Back Yard,Wood

Lot

  • Lot size: 0.48 Acres
  • Features: Front Yard,Rear Yard,Year Round Access

Parking

  • Total spaces: 8
  • Parking features: Covered,Garage Faces Front,Garage Door Opener,Driveway,Lighted,Private,Unpaved,Attached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Heat Wave

FEMA Declared Disasters Across Maryland Counties

Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,275$27,300
Home Insurance *$138$1,656
Property Taxes $300$3,600
Electricity $299$3,592
Total$3,012$36,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$103,268/yr
40% on housing$90,360/yr
45% on housing$80,320/yr

Maryland FAIR Plan Programs

Maryland Joint Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 678Commercial: 44
Total Premiums$854,000
Total Exposure$326.56M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 8.1%
8.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$191This listing

vs Other Active Listings

Avg $/sqft

ZIP 21157$209
Carroll County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 21157$212
Carroll County$237

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-03Listed for sale$450,000
2023-04-10Listing removed--
2021-04-19Sold$317,500
2021-03-23Pending sale$330,000
2021-03-23Contingent$330,000
2021-03-17Price change$330,000
2021-03-07Listed for sale$340,000
2021-02-26Contingent$340,000
2021-02-26Pending sale$340,000
2021-02-12Listed for sale$340,000
2013-07-19Sold$199,000
2013-05-22Pending sale$219,000
2013-01-10Price change$219,000
2013-01-09Price change$223,000
2012-11-10Price change$229,000
2012-09-20Price change$242,900
2012-06-16Listed for sale$259,900

For Sale by Agent

AgentAmy Citrano
BrokerageBerkshire Hathaway HomeServices Homesale Realty

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