445 Bennett Cerf Dr, Westminster, MD 21157 Property Records

Carroll County property record for 445 Bennett Cerf Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,988 sqft · built 1995
Lot Size	0.325 acres (14,170 sqft)
Owner	2 Individual Names on Record
Last Sale	$364,900 (Nov 2016)
Tax Bill	$5,272 (2026)
Deeds & Mortgages	Jan 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-113587`

Property Details

APN / Parcel Number

Primary APN	`07-113587`
Alternative APNs	`7113587` `113587`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,988 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,170 sqft (0.325 acres)
Garage Type	Mixed
Garage Area	732 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	256 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	113587
Street Address	445 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 127A - 0.3253 AC 445 BENNETT CERF DR 33-3 EDEN FARMS AMND
Legal Subdivision	EDEN FARMS AMD
Legal Lot Number	127A
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	2 Individual Names on Record
Mailing Address	445 BENNETT CERF DR, WESTMINSTER, MD 21157-4675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage GSF MORTGAGE CORP
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage GSF MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2016 · Amount on Record
Deed Sale	Nov 29, 2016 · Amount on Record
Prior Sale	Apr 13, 1995 · Amount on Record
Deed Document Number	20168531-0189
Deed Book / Page	8531 / 189
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	445 BENNETT CERF DR, WESTMINSTER, MD 21157-4675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INI TITLE LLC, INTITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100350066
Date	Jan 6, 2021
Book Page	10035/166

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	445 BENNETT CERF DR, WESTMINSTER, MD 21157-4675
Document Number	0096680179
Instrument Date	May 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	IN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 BENNETT CERF DR WESTMINSTER MD 211574675, WESTMINSTER, MD 21157-4675

Mortgage

Document Number	0096680179
Date	May 8, 2020
Book Page	009668/000179

Lender

Name	GSF MTG
Type	Mortgage Company
Address	BROOKFIELD, WI 53005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2050

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	$5,272.00 (+5.55%) Homeowner's exemption	$545,300 (+36.09%) Land $123,500 Building $421,800	$545,300 (+36.09%) Land $123,500 Building $421,800
2025	$4,995.00 (+10.34%) Homeowner's exemption
2023	$4,527.00 Homeowner's exemption	$400,700 Land $123,500 Building $277,200	$400,700 Land $123,500 Building $277,200

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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