540 Cherrytown Rd, Westminster, MD 21158 Property Records

Carroll County property record for 540 Cherrytown Rd, Westminster, MD 21158

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,620 sqft · built 2017
Lot Size	3.71 acres (161,608 sqft)
Owner	Individual Name on Record
Last Sale	$45,000 (Nov 2016)
Tax Bill	$3,850 (2026)
Deeds & Mortgages	Sep 2025 Mortgage May 2024 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`03-004694`

Property Details

APN / Parcel Number

Primary APN	`03-004694`
Alternative APNs	`3004694` `004694`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,620 sqft Total Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	161,608 sqft (3.71 acres)
Shed	1 Shed
Shed Area	576 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	004694
Street Address	540 CHERRYTOWN RD
City	WESTMINSTER
State	MD
Zip	21158-1637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT - 3.71 ACS W/S OLD HANOVER PIKE CHERRYTOWN
Legal Subdivision	CHERRYTOWN
Jurisdiction	CARROLL MD
Township / Civil Division	3, MYERS
Census Block Group	3
Census Block	3014
Census Tract	503000

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	Individual Name on Record
Mailing Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 2, 2024	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 2, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 24, 2020	Deed of Trust, Mortgage · FHA Mortgage PRIME CHOICE FUNDING INC
Sep 8, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 22, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jul 2, 2018	Loan Modification, Mortgage CASCADE FIN'L SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2016 · Amount on Record
Deed Sale	Nov 4, 2016 · Amount on Record
Prior Sale	Aug 16, 1993 · Amount on Record
Deed Document Number	20168508-0075
Deed Book / Page	8508 / 75
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Investor	Possibly a Property Investor

Mortgage

Document Number	0115710149
Date	Sep 18, 2025
Book Page	11571/149

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	292 Months
Due	Jan 1, 2050

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Investor	Possibly a Property Investor

Mortgage

Document Number	0112350054
Date	May 2, 2024
Book Page	11235/54

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	308 Months
Due	Jan 1, 2050

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Investor	Possibly a Property Investor

Mortgage

Document Number	0111400300
Date	Nov 2, 2023
Book Page	11140/300

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	314 Months
Due	Jan 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0096090194
Date	Mar 24, 2020
Book Page	9609/194

Lender

Name	PRIME CHOICE FUNDING INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637

Mortgage

Document Number	0104400374
Date	Sep 8, 2021
Book Page	10440/374

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Jan 1, 2050

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637

Mortgage

Document Number	0107140439
Date	Mar 18, 2022
Book Page	10714/439

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Jan 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Document Number	0092860418
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CHERRYTOWN RD WESTMINSTER MD 211581637, WESTMINSTER, MD 21158-1637

Mortgage

Document Number	0092860418
Date	May 9, 2019
Book Page	009286/000418

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 8, 2049

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CARROLL MD
Property Address	540 CHERRYTOWN RD, WESTMINSTER, MD 21158-1637
Document Number	0090890028
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540 CHERRYTOWN RD WESTMINSTER MD 211581637, WESTMINSTER, MD 21158-1637

Mortgage

Document Number	0090890028
Date	Aug 9, 2018
Book Page	009089/000028

Lender

Name	CASCADE FIN'L SVCS
Type	Funding / Finance Company

Agreement

Term	360 Months
Due	Aug 8, 2048

Interest

Rate	4.25%

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	$3,850.00 (+4.36%) Homeowner's exemption	$351,400 (+16.52%)	$370,400 (+8.34%) Land $173,500 Building $196,900
2025	$3,689.00 (+8.28%) Homeowner's exemption
2023	$3,407.00 Homeowner's exemption	$301,567	$341,900 Land $148,500 Building $193,400

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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