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446 Bennett Cerf Dr, Westminster, MD 21157 Property Records

Carroll County property record for 446 Bennett Cerf Dr, Westminster, MD 21157 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3.5 ba · 2,080 sqft · built 1991
Lot Size0.252 acres (10,977 sqft)
Owner2 Individual Names on File
Last Sale$530,000 (May 2025)
Tax Bill$4,840 (2025)
Deeds & MortgagesMar 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN07-113528

Property Details

APN / Parcel Number

Primary APN07-113528
Alternative APNs
  • 7113528
  • 113528

Interior

Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,080 sqft Total Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area10,977 sqft (0.252 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
Deck Area192 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
SewerConnected

Location & Zoning

Account Number113528
Street Address446 BENNETT CERF DR
CityWESTMINSTER
StateMD
Zip21157-4674
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 121A - 0.2529 AC 446 BENNETT CERF DR 33-3 EDEN FARMS AMND
Legal SubdivisionEDEN FARMS AMD
Legal Lot Number121A
JurisdictionCARROLL MD
Township / Civil Division7, WESTMINSTER
Census Block Group2
Census Block2027
Census Tract507601

Owner

Source: Carroll County records · APN 07-113528

Assessment roll updated August 5, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address446 BENNETT CERF DR, WESTMINSTER, MD 21157-4674
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 01, 2025 · Amount on Record
Deed SaleMay 01, 2025 · Amount on Record
Prior SaleJun 06, 1997 · Amount on Record
Deed Book / Page11464 / 448
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCARROLL MD
Property Address446 BENNETT CERF DR, WESTMINSTER, MD 21157-4674
Transaction TypeMortgage
Record UpdatedMar 27, 2026
Title CompanyADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address446 BENNETT CERF DR, WESTMINSTER, MD 21157-4674

Mortgage

Document Number0117060382
DateMar 11, 2026
Book Page11706/382
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2056

Tax Assessment & Valuation

Source: Carroll County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMaryland
CountyCarroll County
Unified School DistrictCarroll County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$473,100 (+9.45%) Land $120,800 Building $352,300$473,100 (-) Land $120,800 Building $352,300
2025$4,840.00 (+22.22%) Homeowner's exemption$432,233 (+23.32%)$473,100 (+34.98%) Land $120,800 Building $352,300
2023$3,960.00 Homeowner's exemption$350,500 Land $120,800 Building $229,700$350,500 Land $120,800 Building $229,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carroll County (24013C), updated March 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240135076012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 66 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Schurz CommunicationsFiber5,000 / 5,000
XfinityCable2,000 / 250

May also be available at this address: Verizon, Ting Fiber. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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