Carroll County property record for 3147 Cardinal Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,984 sqft · built 1985 |
| Lot Size | 6.7 acres (292,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $406,850 (Jul 2013) |
| Tax Bill | $5,441 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Jun 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-013962 |
| Primary APN | 09-013962 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,984 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 292,200 sqft (6.7 acres) |
| Garage Type | Basement |
| Garage Area | 997 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 74 sqft |
| Patio Area | 276 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 013962 |
|---|---|
| Street Address | 3147 CARDINAL DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-7703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CONSE |
| Legal Description | LT - 6.7076 ACS 3147 CARDINAL DR S OF DENNINGS |
| Legal Subdivision | CROFTON PARK |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 509001 |
3147 Cardinal Dr is owned and occupied by two individuals who acquired it in June 2017.
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 Individual Names on File |
|---|---|
| Mailing Address | 3147 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2022 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Jun 21, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Jan 25, 2020 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Dec 19, 2018 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Jul 6, 2017 | Quit Claim Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2013 · Amount on File |
| Deed Sale | Jul 18, 2013 · Amount on File |
| Prior Sale | Oct 28, 1983 · Amount on File |
| Deed Book / Page | 7412 / 457 |
| Last Transfer Date | Jun 28, 2017 |
| Transfer Doc | 0087410012 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3147 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0107250391 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 10725/391 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3147 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0103300001 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 10330/1 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3147 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Document Number | 0095600454 |
| Instrument Date | Jan 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3147 CARDINAL DR WESTMINSTER MD 211577703, WESTMINSTER, MD 21157-7703 |
| Document Number | 0095600454 |
|---|---|
| Date | Feb 6, 2020 |
| Book Page | 009560/000454 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 5, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3147 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Document Number | 0091950364 |
| Instrument Date | Dec 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2019 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3147 CARDINAL DR WESTMINSTER MD 211577703, WESTMINSTER, MD 21157-7703 |
| Document Number | 0091950364 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 009195/000364 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 27, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Jul 6, 2017 |
| Property Address | 3147 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Document Number | 0087410012 |
| Book / Page | 008741 / 000012 |
| Instrument Date | Jun 28, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | CLOSING USA LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3147 CARDINAL DR WESTMINSTER MD 211577703, WESTMINSTER, MD 21157-7703 |
| Document Number | 87410017 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 008741/000017 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 5, 2047 |
The 2026 property tax bill for 3147 Cardinal Dr was $5,441 with a homeowner's exemption, up 5.3% from the year before.
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 | $5,441.00 (+5.32%) Homeowner's exemption | $515,900 | $557,700 Land $238,500 Building $319,200 |
| 2025 | $5,166.00 Homeowner's exemption | ||
| 2023 | $4,815.00 Homeowner's exemption | $426,167 | $432,300 Land $218,500 Building $213,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3147 Cardinal Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3147 Cardinal 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.
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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