907 Cindy Ln, Westminster, MD 21157 Property Records

Carroll County property record for 907 Cindy Ln, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,984 sqft · built 1976
Lot Size	0.989 acres (43,100 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Sep 2020)
Tax Bill	$5,046 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-035275`

Property Details

APN / Parcel Number

Primary APN	`04-035275`
Alternative APNs	`4035275` `035275`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,984 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 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	43,100 sqft (0.989 acres)
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	300 sqft
Patio Area	940 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	035275
Street Address	907 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 17 - 43100 SF 907 CINDY LANE 14-69 GREENLEAF SC 2
Legal Subdivision	GREENLEAF SEC 02
Legal Lot Number	17
Jurisdiction	CARROLL MD
Township / Civil Division	4, WOOLERYS
Census Block Group	3
Census Block	3004
Census Tract	504202

Owner

907 Cindy Ln is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	907 CINDY LN, WESTMINSTER, MD 21157-7639
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
Sep 24, 2020	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Feb 15, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
May 4, 2017	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2020 · Amount on File
Deed Sale	Sep 24, 2020 · Amount on File
Prior Sale	Jul 28, 2015 · Amount on File
Deed Book / Page	9866 / 115
Record Updated	Oct 29, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Sep 24, 2020
Property Address	907 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	0098660115
Book / Page	9866 / 115
Map Reference	MB 14 FO 69
Instrument Date	Sep 18, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE INS CO

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	907 CINDY LN, WESTMINSTER, MD 21157-7639

Mortgage

Document Number	0009866123
Date	Sep 24, 2020
Instrument	9866/123

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	907 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	0095870066
Instrument Date	Feb 15, 2020
Transaction Type	Mortgage
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	907 CINDY LN WESTMINSTER MD 211577639, WESTMINSTER, MD 21157-7639

Mortgage

Document Number	0095870066
Date	Mar 4, 2020
Book Page	009587/000066

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 3, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	907 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	0086910440
Book / Page	008691 / 000440
Instrument Date	May 4, 2017
Transaction Type	Mortgage
Record Updated	Jul 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	907 CINDY LN WESTMINSTER MD 211577639, WESTMINSTER, MD 21157-7639

Mortgage

Document Number	0086910440
Date	May 19, 2017
Book Page	008691/000440

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	May 18, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 907 Cindy Ln was $5,046 with a homeowner's exemption, up 5% 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	$5,046.00 (+4.95%) Homeowner's exemption	$458,633	$502,100 Land $199,600 Building $302,500
2025	$4,808.00 Homeowner's exemption
2023	$4,331.00	$383,300	$436,900 Land $159,600 Building $277,300

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

Flood

FEMA maps place 907 Cindy Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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

Wildfire risk around 907 Cindy Ln 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	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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