Carroll County property record for 3185 Cardinal Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,487 sqft · built 1992 |
| Lot Size | 3.13 acres (136,343 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $144,000 (Apr 1993) |
| Tax Bill | $4,555 (2026) |
| Deeds & Mortgages | Feb 2023 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-031065 |
| Primary APN | 09-031065 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,487 sqft Total Area |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 136,343 sqft (3.13 acres) |
| Garage Type | Basement |
| Garage Area | 315 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 031065 |
|---|---|
| Street Address | 3185 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 71 - 3.13 ACS CARDINAL DR 35-115 PLT D GLENVUE AC SEC 3 |
| Legal Subdivision | GLENVUE ACRES SEC 03 |
| Legal Lot Number | 71 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 9, FRANKLIN |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 509001 |
3185 Cardinal Dr is owned and occupied by two individuals who bought it in April 1993.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3185 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| 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.
| Date | Document |
|---|---|
| Feb 15, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 5, 2021 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 1993 · Amount on File |
| Deed Sale | Apr 15, 1993 · Amount on File |
| Deed Book / Page | 1446 / 259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3185 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3185 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Document Number | 0109810107 |
|---|---|
| Date | Feb 15, 2023 |
| Book Page | 10981/107 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Feb 1, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 3185 CARDINAL DR, WESTMINSTER, MD 21157-7703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0100290057 |
|---|---|
| Date | Jan 5, 2021 |
| Book Page | 10029/257 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 3185 Cardinal Dr was $4,555 with a homeowner's exemption, up 5.4% 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 | $4,555.00 (+5.44%) Homeowner's exemption | $455,400 (+11.62%) | $502,800 (-) Land $200,600 Building $302,200 |
| 2025 | $4,320.00 Homeowner's exemption | $408,000 | $502,800 Land $200,600 Building $302,200 |
| 2023 | $3,902.00 Homeowner's exemption | $345,333 | $360,600 Land $200,600 Building $160,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3185 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 3185 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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