809 Cindy Ln, Westminster, MD 21157 Property Records

Carroll County property record for 809 Cindy Ln, Westminster, MD 21157 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,032 sqft · built 1976
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Oct 2015)
Tax Bill	$5,932 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-035135`

Property Details

APN / Parcel Number

Primary APN	`04-035135`
Alternative APNs	`4035135` `035135`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,032 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	46,174 sqft (1.06 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Deck Area	348 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	035135
Street Address	809 CINDY LN
City	WESTMINSTER
State	MD
Zip	21157-7637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 5 - 1.06 ACS CINDY LN 14-68 GREENLEAF SC 1
Legal Subdivision	GREENLEAF SEC 01
Legal Lot Number	5
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	3
Census Block	3004
Census Tract	504202

Owner

Source: Carroll County records · APN 04-035135

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 Record	2 Individual Names on File
Mailing Address	809 CINDY LN, WESTMINSTER, MD 21157-7637
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 23, 2015 · Amount on Record
Deed Sale	Oct 23, 2015 · Amount on Record
Prior Sale	Apr 09, 2015 · Amount on Record
Deed Book / Page	8133 / 242
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	809 CINDY LN, WESTMINSTER, MD 21157-7637
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	CHAMPION TITLE & STLMTS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0102070022
Date	Apr 12, 2021
Book Page	10207/22

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$535,833 (+20.76%)	$558,700 (+6.54%) Land $200,600 Building $358,100
2025	$5,932.00 (+18.31%)
2023	$5,014.00	$443,733	$524,400 Land $160,600 Building $363,800

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 240135042023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979–2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2015, other causes

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 83 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.