3148 Cardinal Dr, Westminster, MD 21157 Property Records

Carroll County property record for 3148 Cardinal Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,816 sqft · built 1978
Lot Size	3.46 acres (150,718 sqft)
Owner	Individual Name on File
Tax Bill	$4,684 (2026)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-018727`

Property Details

APN / Parcel Number

Primary APN	`09-018727`
Alternative APNs	`9018727` `018727`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,816 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	150,718 sqft (3.46 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	240 sqft
Shed	1 Shed
Shed Area	1,200 sqft
Stable	800 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	018727
Street Address	3148 CARDINAL DR
City	WESTMINSTER
State	MD
Zip	21157-7704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT 51 - 3.4635 ACS 3148 CARDINAL DR 17-41 GLENVUE AC PL B SC 3
Legal Lot Number	51
Jurisdiction	CARROLL MD
Township / Civil Division	9, FRANKLIN
Census Block Group	1
Census Block	1006
Census Tract	509001

Owner

3148 Cardinal Dr is owned and occupied by an individual who acquired it in April 2000.

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

Owner of Record	Individual Name on File
Mailing Address	3148 CARDINAL DR, WESTMINSTER, MD 21157-7704
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	Name on Deed
Last Sale	Apr 25, 2000
Deed Sale	Apr 25, 2000
Prior Sale	Nov 23, 1987 · Amount on File
Deed Document Number	2000994116
Deed Book / Page	2331 / 115
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3148 CARDINAL DR, WESTMINSTER, MD 21157-7704
Document Number	0098080272
Instrument Date	Feb 4, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3148 CARDINAL DR WESTMINSTER MD 211577704, WESTMINSTER, MD 21157-7704

Mortgage

Document Number	0098080272
Date	Aug 18, 2020
Book Page	009808/000272

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 17, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 3148 Cardinal Dr was $4,684 with a homeowner's exemption, up 4.8% 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	$4,684.00 (+4.79%) Homeowner's exemption	$432,900	$448,100 Land $202,300 Building $245,800
2025	$4,470.00 Homeowner's exemption
2023	$4,244.00 Homeowner's exemption	$375,600	$402,500 Land $202,300 Building $200,200

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

Flood

FEMA maps place 3148 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

Wildfire risk around 3148 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 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