Carroll County property record for 3174 Cardinal Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,920 sqft · built 1992 |
| Lot Size | 3.47 acres (151,153 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Aug 2026) |
| Tax Bill | $5,145 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-031081 |
| Primary APN | 09-031081 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,920 sqft Total Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 151,153 sqft (3.47 acres) |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 960 sqft |
| Porch | Porch |
| Porch Area | 96 sqft |
| Deck Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 031081 |
|---|---|
| Street Address | 3174 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 73- 3.4716 AC 3174 CARDINAL DR 35-115 GLENVUE AC SEC 3 |
| Legal Subdivision | GLENVUE ACRES SEC 03 |
| Legal Lot Number | 73 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 509001 |
3174 Cardinal Dr is owned and occupied by two individuals who bought it in August 2026.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3174 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 30, 2025 | Deed, Transfer · Stand-Alone First Mortgage STROY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2026 · Amount on File |
| Deed Sale | Aug 28, 2026 · Amount on File |
| Prior Sale | Dec 30, 2025 · Amount on File |
| Deed Book / Page | 11850 / 345 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Aug 28, 2026 |
| Property Address | 3174 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Document Number | 1185000345 |
| Book / Page | 11850 / 345 |
| Instrument Date | Aug 21, 2026 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $737,300.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3174 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Document Number | 1185000351, |
|---|---|
| Date | Aug 28, 2026 |
| Book Page | 11850/351 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 30, 2025 |
| Property Address | 3174 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Document Number | 0116530439 |
| Book / Page | 11653 / 439 |
| Map Reference | MB LWS35 FO 115 |
| Instrument Date | Nov 25, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 901 CURTAIN AVE, BALTIMORE, MD 21218-6201 |
| Investor | Possibly a Property Investor |
| Document Number | 0011653444 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 11653/444 |
| Name | STROY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3174 Cardinal Dr was $5,145, up 3.8% 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 | $5,145.00 (+3.75%) | $454,133 (+3.81%) | $470,800 (-) Land $202,300 Building $268,500 |
| 2025 | $4,959.00 | $437,467 | $470,800 Land $202,300 Building $268,500 |
| 2023 | $4,423.00 Homeowner's exemption | $391,467 | $420,800 Land $202,300 Building $218,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3174 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 3174 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 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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