Carroll County property record for 448 Bennett Cerf Dr, Westminster, MD 21157
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,392 sqft · built 1994 |
| Lot Size | 0.248 acres (10,802 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $239,900 (Aug 2002) |
| Tax Bill | $4,876 (2026) |
| Deeds & Mortgages | Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-113501 |
| Primary APN | 07-113501 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,392 sqft Total Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,802 sqft (0.248 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 288 sqft |
| Patio Area | 672 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 113501 |
|---|---|
| Street Address | 448 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 120A - 10802 SQ F BENNETT CERF DR 33-39 EDEN FARMS AMND |
| Legal Subdivision | LA TRIOMPHE SEC EDEN FARMS SUB |
| Legal Lot Number | 120A |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 507601 |
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 | 448 BENNETT CERF DR, WESTMINSTER, MD 21157-4674 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2002 · Amount on Record |
| Deed Sale | Aug 7, 2002 · Amount on Record |
| Prior Sale | Jan 25, 1994 · Amount on Record |
| Deed Document Number | 2002571 |
| Deed Book / Page | 2990 / 26 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 448 BENNETT CERF DR, WESTMINSTER, MD 21157-4674 |
| Document Number | 0086270032 |
| Book / Page | 008627 / 000032 |
| Instrument Date | Feb 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 448 BENNETT CERF DR WESTMINSTER MD 211574674, WESTMINSTER, MD 21157-4674 |
| Document Number | 0086270032 |
|---|---|
| Date | Mar 6, 2017 |
| Book Page | 008627/000032 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,876.00 (+5.13%) Homeowner's exemption | $454,200 (+21.35%) Land $120,600 Building $333,600 | $454,200 (+21.35%) Land $120,600 Building $333,600 |
| 2025 | $4,638.00 (+9.67%) Homeowner's exemption | ||
| 2023 | $4,229.00 Homeowner's exemption | $374,300 Land $120,600 Building $253,700 | $374,300 Land $120,600 Building $253,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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