3514 Ellen Dr, Westminster, MD 21157 Property Records

Carroll County property record for 3514 Ellen Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,820 sqft · built 1984
Lot Size	3.17 acres (138,085 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,500 (Aug 2017)
Tax Bill	$4,457 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-015515`

Property Details

APN / Parcel Number

Primary APN	`09-015515`
Alternative APNs	`9015515` `015515`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Total Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	138,085 sqft (3.17 acres)
Garage Type	Carport
Garage Area	660 sqft
Carport	Carport
Carport Area	660 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	015515
Street Address	3514 ELLEN DR
City	WESTMINSTER
State	MD
Zip	21157-8014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONSE
Legal Description	LT 15 - 3.17 ACS 3514 ELLEN DR 14-98 BOB EL FARMS PLT C
Legal Subdivision	BOB EL FARMS
Legal Lot Number	15
Jurisdiction	CARROLL MD
Township / Civil Division	9, FRANKLIN
Census Block Group	2
Census Block	2014
Census Tract	509001

Owner

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 Record
Mailing Address	3514 ELLEN DR, WESTMINSTER, MD 21157-8014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWER FCU
Aug 22, 2017	Deed, Transfer · Conventional Mortgage TOWER FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2017 · Amount on Record
Deed Sale	Aug 22, 2017 · Amount on Record
Prior Sale	Nov 21, 1983 · Amount on Record
Deed Document Number	20178782-0256
Deed Book / Page	8782 / 256
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3514 ELLEN DR, WESTMINSTER, MD 21157-8014
Transaction Type	Mortgage
Record Updated	Aug 2, 2021
Title Company	TOWER TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103500295
Date	Jun 30, 2021
Book Page	10350/295

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 22, 2017
Property Address	3514 ELLEN DR, WESTMINSTER, MD 21157-8014
Document Number	0087820256
Book / Page	8782 / 0256
Map Reference	MB14 FO98
Instrument Date	Jul 31, 2017
Instrument	8782-0256
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	TOWER TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3514 ELLEN DR, WESTMINSTER, MD 21157-8014

Mortgage

Document Number	87820262
Date	Aug 22, 2017
Instrument	8782-0262

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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	$4,457.00 (+3.27%) Homeowner's exemption	$392,667 (+11.53%)	$405,300 (+10.32%) Land $200,800 Building $204,500
2025	$4,316.00 (+8.5%) Homeowner's exemption
2023	$3,978.00 Homeowner's exemption	$352,067	$367,400 Land $200,800 Building $166,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 11, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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