903 Cindy Ln, Westminster, MD 21157 Property Records

Carroll County property record for 903 Cindy Ln, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,706 sqft · built 1976
Lot Size	0.935 acres (40,712 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Oct 2022)
Tax Bill	$5,661 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-035259`

Property Details

APN / Parcel Number

Primary APN	`04-035259`
Alternative APNs	`4035259` `035259`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,706 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
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,712 sqft (0.935 acres)
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	684 sqft
Porch	Slab
Porch Area	56 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	035259
Street Address	903 CINDY LN
City	WESTMINSTER
State	MD
Zip	21157-7639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-400
Legal Description	LT 15 - 40712 SF 903 CINDY LN 14-69 GREENLEAF SC 2
Legal Subdivision	GREENLEAF
Legal Lot Number	15
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	3
Census Block	3004
Census Tract	504202

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	903 CINDY LN, WESTMINSTER, MD 21157-7639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Special Warranty Deed, Transfer · Conventional Mortgage NFM INC
May 3, 2022	Deed, Transfer ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC
Oct 7, 2021	Intrafamily Transfer, Transfer
Oct 10, 2018	Quit Claim Deed, Transfer LAKESIDE TITLE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2022 · Amount on Record
Deed Sale	Oct 18, 2022 · Amount on Record
Prior Sale	May 3, 2022 · Amount on Record
Deed Book / Page	10908 / 188
Transfer Doc	0000015188
Record Updated	Oct 29, 2026

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 18, 2022
Property Address	903 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	0109080188
Book / Page	10908 / 188
Map Reference	MB 14 PG 69
Instrument Date	Sep 21, 2022
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	NEIGHBORHOOD SETTLEMENTS LLC, NEIGHBORHOOD SETTLEMENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,262.50
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 in Severalty
Address	903 CINDY LN, WESTMINSTER, MD 21157-7639

Mortgage

Document Number	0109080197
Date	Oct 18, 2022
Instrument	10908-0197

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	May 3, 2022
Property Address	903 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	0107620496
Book / Page	10762 / 496
Map Reference	MB 14 PG 69
Instrument Date	Apr 22, 2022
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	2121 WARREN WAY DR, WESTMINSTER, MD 21157-7349

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Oct 7, 2021
Property Address	903 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	0104860485
Book / Page	10486 / 485
Map Reference	MB 14 FO 69
Instrument Date	Jul 29, 2021
Transaction Type	Transfer
Record Updated	Oct 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	903 CINDY LN, WESTMINSTER, MD 21157-7639

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 10, 2018
Property Address	903 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	0091410114
Book / Page	009141 / 000114
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	LAKESIDE TITLE COMPANY INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	903 CINDY LN WESTMINSTER MD 211577639, WESTMINSTER, MD 21157-7639

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	$5,661.00 (+3.49%)	$500,200 (+3.54%)	$534,400 (+10.62%) Land $197,400 Building $337,000
2025	$5,470.00 (+37.3%)	$483,100 (+37%) Land $157,400 Building $325,700	$483,100 (-) Land $157,400 Building $325,700
2023	$3,984.00	$352,633	$483,100 Land $157,400 Building $325,700

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
Nearby Flood Claims	2 (1979–2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2015 · other causes

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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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