913 Cindy Ln, Westminster, MD 21157 Property Records

Carroll County property record for 913 Cindy Ln, Westminster, MD 21157

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,760 sqft · built 1976
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$470,000 (Nov 2023)
Tax Bill	$5,394 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-036557`

Property Details

APN / Parcel Number

Primary APN	`04-036557`
Alternative APNs	`4036557` `036557`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,760 sqft Total Area
Basement Area	1,000 sqft
Finished Basement	1,000 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	44,867 sqft (1.03 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	360 sqft
Deck Area	430 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	036557
Street Address	913 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 20- 1.037 ACS 913 CINDY LANE 15-20 GREENLEAF SC 3
Legal Subdivision	GREENLEAF SEC 03
Legal Lot Number	20
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	913 CINDY LN, WESTMINSTER, MD 21157-7639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 15, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2023 · Amount on Record
Deed Sale	Nov 15, 2023 · Amount on Record
Prior Sale	Aug 7, 2006 · Amount on Record
Deed Book / Page	11146 / 472
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Recording Date	Jul 15, 2026
Property Address	913 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	1181000244
Book / Page	11811 / 244
Instrument Date	Jul 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 CINDY LN, WESTMINSTER, MD 21157-7639

Mortgage

Document Number	1181000244,
Date	Jul 15, 2026
Book Page	11811/244

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 15, 2023
Property Address	913 CINDY LN, WESTMINSTER, MD 21157-7639
Document Number	0111460472
Book / Page	11146 / 472
Map Reference	MB 15 FO 20
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Nov 27, 2023
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,350.00
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	1425 CLARKVIEW RD, BALTIMORE, MD 21209-2137

Mortgage

Document Number	0111460480
Date	Nov 15, 2023
Instrument	11146-0480

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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	$5,394.00 (+4.21%) Homeowner's exemption	$476,367 (+20.26%)	$515,300 (+12.78%) Land $200,300 Building $315,000
2025	$5,176.00 (+15.66%)
2023	$4,475.00	$396,100	$456,900 Land $160,300 Building $296,600

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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