2581 Cedar Rdg Dr, Westminster, MD 21158 Property Records

Carroll County property record for 2581 Cedar Rdg Dr, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,128 sqft · built 1993
Lot Size	3.22 acres (140,263 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Oct 2021)
Tax Bill	$5,427 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-098065`

Property Details

APN / Parcel Number

Primary APN	`07-098065`
Alternative APNs	`7098065` `098065`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,128 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	140,263 sqft (3.22 acres)
Garage Type	Mixed
Garage Area	2,016 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	098065
Street Address	2581 CEDAR RIDGE DR
City	WESTMINSTER
State	MD
Zip	21158-3119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT 13 - 3.22 ACS 2581 CEDAR RIDGE DR 29-1 CEDAR RIDGE SC 4
Legal Subdivision	CEDAR RIDGE
Legal Lot Number	13
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	1
Census Block	1004
Census Tract	507601

Owner

2581 Cedar Rdg Dr is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2581 CEDAR RIDGE DR, WESTMINSTER, MD 21158-3119
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2021 · Amount on File
Deed Sale	Oct 6, 2021 · Amount on File
Prior Sale	Apr 5, 1994 · Amount on File
Deed Book / Page	10483 / 204
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 6, 2021
Property Address	2581 CEDAR RIDGE DR, WESTMINSTER, MD 21158-3119
Document Number	0104830204
Book / Page	10483 / 204
Map Reference	MB 29 PG 16
Instrument Date	Sep 15, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	CHARTER TITLE

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	1192 EGMONT HARBOUR, PASADENA, MD 21122-2558

Mortgage

Document Number	0010483211
Date	Oct 6, 2021
Instrument	10483/211

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 2581 Cedar Rdg Dr was $5,427, up 7.2% 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	$5,427.00 (+7.23%)	$479,300 Land $151,100 Building $328,200	$479,300 Land $151,100 Building $328,200
2025	$5,061.00
2023	$4,308.00	$381,300 Land $151,100 Building $230,200	$381,300 Land $151,100 Building $230,200

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

Flood

FEMA maps place 2581 Cedar Rdg Dr 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

Wildfire risk around 2581 Cedar Rdg Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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