3516 Ellen Dr, Westminster, MD 21157 Property Records

Carroll County property record for 3516 Ellen Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,698 sqft · built 1976
Lot Size	3.61 acres (157,252 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Jun 2018)
Tax Bill	$4,605 (2026)
Deeds & Mortgages	Jun 2021 Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-015523`

Property Details

APN / Parcel Number

Primary APN	`09-015523`
Alternative APNs	`9015523` `015523`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,698 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	157,252 sqft (3.61 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	015523
Street Address	3516 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 16 - 3.61 ACS 3516 ELLEN DR 14-98 BOB EL FARMS PL C
Legal Subdivision	BOB EL FARMS
Legal Lot Number	16
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3516 ELLEN DR, WESTMINSTER, MD 21157-8014
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC
May 11, 2021	Intrafamily Transfer, Transfer
Jun 13, 2018	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2018 · Amount on Record
Deed Sale	Jun 13, 2018 · Amount on Record
Prior Sale	Oct 27, 2003 · Amount on Record
Deed Book / Page	9039 / 78
Transfer Doc	0000963606
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	3516 ELLEN DR, WESTMINSTER, MD 21157-8014
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	LAND ABSTRACT & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0103110193
Date	Jun 9, 2021
Book Page	10311/193

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	May 11, 2021
Property Address	3516 ELLEN DR, WESTMINSTER, MD 21157-8014
Document Number	0102620248
Book / Page	10262 / 248
Map Reference	LB 302 PG 284
Instrument Date	May 5, 2021
Transaction Type	Transfer
Record Updated	Jun 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3516 ELLEN DR, WESTMINSTER, MD 21157-8014

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 13, 2018
Property Address	3516 ELLEN DR, WESTMINSTER, MD 21157-8014
Document Number	0090390078
Book / Page	009039 / 000078
Instrument Date	May 25, 2018
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	RESIDENTIAL TITLE AND ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3516 ELLEN DR WESTMINSTER MD 211578014, WESTMINSTER, MD 21157-8014

Mortgage

Document Number	90390083
Date	Jun 13, 2018
Book Page	009039/000083

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2048

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	$4,605.00 (+3.37%)	$405,867 (+3.42%)	$419,300 (-) Land $203,000 Building $216,300
2025	$4,455.00 (+8.47%)	$392,433 (+7.95%)	$419,300 (+10.63%) Land $203,000 Building $216,300
2023	$4,107.00	$363,533	$379,000 Land $203,000 Building $176,000

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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