Carroll County property record for 3100 Cardinal Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,221 sqft · built 1977 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $224,500 (Jul 2003) |
| Tax Bill | $4,108 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Jan 2023 Second Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-016953 |
| Primary APN | 09-016953 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 1,221 sqft Total Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 45,738 sqft (1.05 acres) |
| Porch | Slab |
| Porch Area | 216 sqft |
| Patio Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 016953 |
|---|---|
| Street Address | 3100 CARDINAL DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-400 |
| Legal Description | LT 10 - 1.05 ACS CARDINAL DR PLT 16-21 GLENVUE ACRES PL D SC 2 |
| Legal Subdivision | GLENVUE ACRES |
| Legal Lot Number | 10 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 509001 |
Source: Carroll County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Sep 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FEDERAL FINANCIAL FEDERAL CREDIT UNION |
| Jan 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL FCU OF MARYLAND |
| Sep 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL FCU OF MARYLAND |
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL FCU OF MARYLAND |
| Jan 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FIANNCIAL OF MD FCU |
| Jul 1, 2019 | Loan Modification, Mortgage · Conventional Mortgage FIRST FIN'L FCU/MARYLAND |
| Jun 19, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FIN'L/MD FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2003 · Amount on Record |
| Deed Sale | Jul 25, 2003 · Amount on Record |
| Deed Document Number | 2003260 |
| Deed Book / Page | 3541 / 55 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 23, 2026 |
| Property Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Document Number | 1187000219 |
| Book / Page | 11871 / 219 |
| Instrument Date | Sep 14, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2026 |
| Title Company | KING CITY TITLE, KING TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Document Number | 1187000219, |
|---|---|
| Date | Sep 23, 2026 |
| Book Page | 11871/219 |
| Name | FEDERAL FINANCIAL FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7773 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0109700130 |
|---|---|
| Date | Jan 26, 2023 |
| Book Page | 10970/130 |
| Name | FIRST FINANCIAL FCU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Address | SPARKS GLENCOE, MD 21152 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7773 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0104450070 |
|---|---|
| Date | Sep 10, 2021 |
| Book Page | 10445/70 |
| Name | FIRST FINANCIAL FCU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Address | SPARKS GLENCOE, MD 21152 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 31, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7773 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0101280166 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 10128/166 |
| Name | FIRST FINANCIAL FCU OF MARYLAND |
|---|---|
| Type | Credit Union |
| Address | SPARKS GLENCOE, MD 21152 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7773 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | KING TITLE CO INC |
| Name | Verified Name |
|---|
| Document Number | 0092120342 |
|---|---|
| Date | Jan 25, 2019 |
| Book Page | 9212/0342 |
| Name | FIRST FIANNCIAL OF MD FCU |
|---|---|
| Type | Non-Lending Institution |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2044 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7773 |
| Document Number | 0095790246 |
| Instrument Date | Jul 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3100 CARDINAL DR WESTMINSTER MD 211577773, WESTMINSTER, MD 21157-7773 |
| Document Number | 0095790246 |
|---|---|
| Date | Feb 26, 2020 |
| Book Page | 009579/000246 |
| Name | FIRST FIN'L FCU/MARYLAND |
|---|---|
| Address | LUTHERVILLE, MD 21093 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 25, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3100 CARDINAL DR, WESTMINSTER, MD 21157-7773 |
| Document Number | 0087480164 |
| Book / Page | 008748 / 000164 |
| Instrument Date | Jun 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2017 |
| Title Company | CORPORATE SETTLEMENT SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 3100 CARDINAL DR WESTMINSTER MD 211577773, WESTMINSTER, MD 21157-7773 |
| Document Number | 0087480164 |
|---|---|
| Date | Jul 13, 2017 |
| Book Page | 008748/000164 |
| Name | FIRST FIN'L/MD FCU |
|---|---|
| Type | Credit Union |
| Address | LUTHERVILLE, MD 21093 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 12, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,108.00 (+5.25%) Homeowner's exemption | $383,367 (+8.04%) | $411,900 (-) Land $180,500 Building $231,400 |
| 2025 | $3,903.00 (+10.98%) Homeowner's exemption | $354,833 (+13.98%) | $411,900 (+26.23%) Land $180,500 Building $231,400 |
| 2023 | $3,517.00 Homeowner's exemption | $311,300 | $326,300 Land $180,500 Building $145,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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