Carroll County property record for 3145 Cardinal Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,338 sqft · built 1978 |
| Lot Size | 0.949 acres (41,334 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $367,000 (Dec 2019) |
| Tax Bill | $5,514 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-017704 |
| Primary APN | 09-017704 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 1,338 sqft Total Area |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 41,334 sqft (0.949 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 252 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 017704 |
|---|---|
| Street Address | 3145 CARDINAL DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-400 |
| Legal Description | LT 49 - 41334 SQ FT 3145 CARDINAL DR 16-82 GLENVUE ACRES PLT A SC 3 |
| Legal Subdivision | PLAT A SECTION III GLENVUE ACRES |
| Legal Lot Number | 49 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 509001 |
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 | 3145 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Jun 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 9, 2019 | Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 12, 2017 | Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2019 · Amount on Record |
| Deed Sale | Dec 9, 2019 · Amount on Record |
| Prior Sale | Sep 12, 2017 · Amount on Record |
| Deed Book / Page | 9502 / 197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3145 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0089730140 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 8973/0140 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3145 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | DBA ADMIRAL TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0103370149 |
|---|---|
| Date | Jun 23, 2021 |
| Book Page | 10337/149 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 9, 2019 |
| Property Address | 3145 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Document Number | 0095020197 |
| Book / Page | 9502 / 0197 |
| Map Reference | MB 16 FO 82 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | DBA ADMIRAL TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3145 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Document Number | 0009502206 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 9502/206 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Sep 12, 2017 |
| Property Address | 3145 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Document Number | 0088010472 |
| Book / Page | 8801 / 0472 |
| Instrument Date | Sep 1, 2017 |
| Instrument | 8801-0472 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3145 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Document Number | 88010478 |
|---|---|
| Date | Sep 12, 2017 |
| Instrument | 8801-0478 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
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 | $5,514.00 (+9.78%) | $487,067 (+30.03%) | $530,900 (+32.92%) Land $177,900 Building $353,000 |
| 2025 | $5,023.00 (+18.69%) | ||
| 2023 | $4,232.00 | $374,567 | $399,400 Land $177,900 Building $221,500 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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