439 Bennett Cerf Dr, Westminster, MD 21157 Property Records

Carroll County property record for 439 Bennett Cerf Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,746 sqft · built 1997
Lot Size	0.276 acres (12,039 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Oct 2021)
Tax Bill	$4,451 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-113560`

Property Details

APN / Parcel Number

Primary APN	`07-113560`
Alternative APNs	`7113560` `113560`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,746 sqft Total Area
Basement Area	468 sqft
Finished Basement	468 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,039 sqft (0.276 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Patio Area	364 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	113560
Street Address	439 BENNETT CERF DR
City	WESTMINSTER
State	MD
Zip	21157-4675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 125A - 12039 SF 439 BENNETT CERF DR 33-3 EDEN FARMS AMND
Legal Subdivision	LATRIUMPHE SEC EDEN FARMS SUB
Legal Lot Number	125A
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2027
Census Tract	507601

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	Individual Name on Record
Mailing Address	439 BENNETT CERF DR, WESTMINSTER, MD 21157-4675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Dec 12, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage PNC BANK NA
Dec 29, 2017	Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Dec 29, 2017 · Amount on Record
Deed Book / Page	10494 / 189
Prior Transfer Date	Dec 4, 2019
Prior Transfer Doc	0095070133
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 13, 2021
Property Address	439 BENNETT CERF DR, WESTMINSTER, MD 21157-4675
Document Number	0104940189
Book / Page	10494 / 189
Map Reference	LB 33 FO 39
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	439 BENNETT CERF DR, WESTMINSTER, MD 21157-4675

Mortgage

Document Number	0010494195
Date	Oct 13, 2021
Instrument	10494/195

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Dec 12, 2019
Property Address	439 BENNETT CERF DR, WESTMINSTER, MD 21157-4675
Document Number	0095070133
Book / Page	9507 / 0133
Map Reference	MB 33 FO 39
Instrument Date	Dec 4, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NATIONALLINK

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
Address	439 BENNETT CERF DR, WESTMINSTER, MD 21157-4675

Mortgage

Document Number	0009507140
Date	Dec 12, 2019
Instrument	9507/140

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Dec 29, 2017
Property Address	439 BENNETT CERF DR, WESTMINSTER, MD 21157-4675
Document Number	0089050204
Book / Page	8905 / 0204
Map Reference	MB33 FO39
Instrument Date	Dec 5, 2017
Instrument	8905-0204
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	CASTLE TITLE LLC

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
Address	439 BENNETT CERF DR, WESTMINSTER, MD 21157-4675

Mortgage

Document Number	89050211
Date	Dec 29, 2017
Instrument	8905-0211

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 2, 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	$4,451.00 (+5.55%) Homeowner's exemption	$454,200 (+9.3%) Land $121,700 Building $332,500	$454,200 (-) Land $121,700 Building $332,500
2025	$4,217.00 (+10.33%) Homeowner's exemption	$415,567 (+22.84%)	$454,200 (+34.26%) Land $121,700 Building $332,500
2023	$3,822.00 Homeowner's exemption	$338,300 Land $121,700 Building $216,600	$338,300 Land $121,700 Building $216,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WESTMINSTER serves 35,256 people · EPA ID MD0060015
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Ting, Verizon.

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