450 Bennett Cerf Dr, Westminster, MD 21157 Property Records

Carroll County property record for 450 Bennett Cerf Dr, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,336 sqft · built 1991
Lot Size	0.323 acres (14,050 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Oct 2021)
Tax Bill	$5,712 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-113498`

Property Details

APN / Parcel Number

Primary APN	`07-113498`
Alternative APNs	`7113498` `113498`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,336 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,050 sqft (0.323 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	665 sqft
Porch	Slab
Porch Area	50 sqft
Deck Area	592 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	113498
Street Address	450 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 119A - 14050 SF 450 BENNETT CERF DR 33-3 EDEN FARMS AMND
Legal Subdivision	EDEN FARMS AMD
Legal Lot Number	119A
Jurisdiction	CARROLL MD
Township / Civil Division	7, WESTMINSTER
Census Block Group	2
Census Block	2027
Census Tract	507601

Owner

450 Bennett Cerf Dr is owned and occupied by two individuals who bought it in October 2021.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	450 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.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed, Transfer · Conventional Mortgage PRIMELENDING
Aug 14, 2017	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
Aug 29, 2017	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2021 · Amount on File
Deed Sale	Oct 25, 2021 · Amount on File
Prior Sale	Aug 29, 2017 · Amount on File
Deed Book / Page	10521 / 22
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 25, 2021
Property Address	450 BENNETT CERF DR, WESTMINSTER, MD 21157-4674
Document Number	0105210022
Book / Page	10521 / 22
Map Reference	MB 33 FO 39
Instrument Date	Sep 30, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	AMERICAN LAND TITLE, AMERICAN LAND TITLE CORP

Transaction

Amount	Amount on Record
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 by the Entirety
Address	450 BENNETT CERF DR, WESTMINSTER, MD 21157-4674

Mortgage

Document Number	0001052128
Date	Oct 25, 2021
Instrument	10521/28

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	450 BENNETT CERF DR, WESTMINSTER, MD 21157-4674
Document Number	0087880007
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Oct 25, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	450 BENNETT CERF DR WESTMINSTER MD 211574674, WESTMINSTER, MD 21157-4674

Mortgage

Document Number	0087880007
Date	Aug 29, 2017
Book Page	008788/000007

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2047

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CARROLL MD
Recording Date	Aug 29, 2017
Property Address	450 BENNETT CERF DR, WESTMINSTER, MD 21157-4674
Document Number	0087880001
Book / Page	008788 / 000001
Instrument Date	Aug 14, 2017
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	SETTLEMENT MATTERS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	450 BENNETT CERF DR WESTMINSTER MD 211574674, WESTMINSTER, MD 21157-4674

Mortgage

Document Number	87880007
Date	Aug 29, 2017
Book Page	008788/000007

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 28, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 450 Bennett Cerf Dr was $5,712 with a homeowner's exemption, up 5.2% from the year before.

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	$5,712.00 (+5.19%) Homeowner's exemption	$544,100 Land $123,400 Building $420,700	$544,100 Land $123,400 Building $420,700
2025	$5,430.00 Homeowner's exemption
2023	$4,942.00	$437,400 Land $123,400 Building $314,000	$437,400 Land $123,400 Building $314,000

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

Flood

FEMA maps place 450 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

Wildfire risk around 450 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.

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.

Nearby Properties on Bennett Cerf Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures