Carroll County property record for 3178 Cardinal Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,960 sqft · built 1993 |
| Lot Size | 3.75 acres (163,350 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Dec 2003) |
| Tax Bill | $7,872 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-031103 |
| Primary APN | 09-031103 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,960 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 163,350 sqft (3.75 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | 380 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 031103 |
|---|---|
| Street Address | 3178 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 74 -3.75 ACS CARDINAL DR 35-115 PL D GLENVUE ACRES SC 3 |
| Legal Subdivision | GLENVUE ACRES SEC 03 |
| Legal Lot Number | 74 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3178 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2025 | Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION |
| Aug 24, 2022 | Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2003 · Amount on Record |
| Deed Sale | Dec 11, 2003 · Amount on Record |
| Prior Sale | Oct 30, 2003 |
| Deed Document Number | 20032788 |
| Deed Book / Page | 3778 / 168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3178 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3178 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Investor | Possibly a Property Investor |
| Document Number | 0116500312 |
|---|---|
| Date | Dec 22, 2025 |
| Book Page | 11650/312 |
| Name | SKYPOINT FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 21, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3178 CARDINAL DR, WESTMINSTER, MD 21157-7704 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0108630471 |
|---|---|
| Date | Aug 24, 2022 |
| Book Page | 10863/471 |
| Name | SKYPOINT FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | GERMANTOWN, MD 20874 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 23, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $7,872.00 (+62.61%) | $697,600 (+81.19%) | $746,200 (+86.27%) Land $203,700 Building $542,500 |
| 2025 | $4,841.00 (+11.29%) | ||
| 2023 | $4,350.00 | $385,000 | $400,600 Land $203,700 Building $196,900 |
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures