Carroll County property record for 440 Bennett Cerf Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,336 sqft · built 1993 |
| Lot Size | 0.435 acres (18,948 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $196,600 (Mar 1993) |
| Tax Bill | $5,149 (2026) |
| Deeds & Mortgages | Oct 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-113552 |
| Primary APN | 07-113552 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,336 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 | 18,948 sqft (0.435 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 170 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 113552 |
|---|---|
| Street Address | 440 BENNETT CERF DR |
| City | WESTMINSTER |
| State | MD |
| Zip | 21157-4674 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-200 |
| Legal Description | LT 124A -18976 SQ FT BENNETT CERF DR 37-181 EDEN FARMS AMND |
| Legal Subdivision | EDEN FARMS AMD |
| Legal Lot Number | 124A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 507601 |
440 Bennett Cerf Dr is owned and occupied by two individuals who bought it in March 1993.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 440 BENNETT CERF DR, WESTMINSTER, MD 21157-4674 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 1993 · Amount on File |
| Deed Sale | Mar 10, 1993 · Amount on File |
| Deed Book / Page | 1437 / 52 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 440 BENNETT CERF DR, WESTMINSTER, MD 21157-4674 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 440 BENNETT CERF DR, WESTMINSTER, MD 21157-4674 |
| Document Number | 0109140053 |
|---|---|
| Date | Oct 24, 2022 |
| Book Page | 10914/53 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 440 Bennett Cerf Dr was $5,149, up 6.1% 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 | $5,149.00 (+6.12%) | $459,800 Land $127,600 Building $332,200 | $459,800 Land $127,600 Building $332,200 |
| 2025 | $4,852.00 | ||
| 2023 | $4,297.00 | $380,300 Land $127,600 Building $252,700 | $380,300 Land $127,600 Building $252,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Bennett Cerf Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 440 Bennett Cerf 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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