106 Windmill Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 106 Windmill Rd, Conowingo, MD 21918

Property Summary

Property Type	Exempt (Full or Partial)
Details	1 ba · 1,028 sqft · built 1981
Lot Size	0.506 acres (22,041 sqft)
Owner	2 Individual Names on File
Last Sale	$49,900 (Aug 1981)
Tax Bill	$60 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-032544`

Property Details

APN / Parcel Number

Primary APN	`07-032544`
Alternative APNs	`7032544` `032544`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,028 sqft Total Area
Basement Area	480 sqft
Finished Basement	480 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	22,041 sqft (0.506 acres)
Deck Area	508 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	032544
Street Address	106 WINDMILL RD
City	CONOWINGO
State	MD
Zip	21918-1923
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	RR
Legal Description	LOT 37 - .506 ACRE 106 WINDMILL ROAD HOLLAND ACRES
Legal Subdivision	HOLLAND ACRES
Legal Lot Number	37
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1017
Census Tract	31201

Owner

106 Windmill Rd is owned and occupied by two individuals who acquired it in March 2018.

Source: Cecil County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	106 WINDMILL RD, CONOWINGO, MD 21918-1923
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
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM FCU
Oct 29, 2019	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Mar 24, 2021	Intrafamily Transfer, Transfer
Apr 23, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage FREEDOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 1981 · Amount on File
Deed Sale	Aug 24, 1981 · Amount on File
Deed Book / Page	71 / 847
Last Transfer Date	Mar 26, 2018
Transfer Doc	0042310459
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	106 WINDMILL RD, CONOWINGO, MD 21918-1923
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057300014
Date	Jan 14, 2026
Book Page	5730/14

Lender

Name	FREEDOM FCU
Type	Credit Union
Address	BEL AIR, MD 21015

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Jan 6, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	106 WINDMILL RD, CONOWINGO, MD 21918-1923
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044910353
Date	Oct 29, 2019
Book Page	4491/353

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Mar 24, 2021
Property Address	106 WINDMILL RD, CONOWINGO, MD 21918-1923
Document Number	0048280001
Book / Page	4828 / 1
Map Reference	LB NDS6 FO 71
Instrument Date	Mar 15, 2021
Transaction Type	Transfer
Record Updated	Jun 2, 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 with Right of Survivorship
Address	106 WINDMILL RD, CONOWINGO, MD 21918-1923

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Apr 23, 2018
Property Address	106 WINDMILL RD, CONOWINGO, MD 21918-1923
Document Number	0042310459
Book / Page	4231 / 459
Map Reference	LB NDS6 FO71
Instrument Date	Mar 26, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAWYERS TRUST TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 WINDMILL RD, CONOWINGO, MD 21918-1923

Mortgage

Document Number	0004231462
Date	Apr 23, 2018
Instrument	4231/462

Lender

Name	FREEDOM FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 106 Windmill Rd was $60 with a homeowner's exemption.

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$60.00 Homeowner's exemption	$217,500 (+4.05%) Land $61,000 Building $156,500	$217,500 (-) Land $61,000 Building $156,500
2025	$60.00 Homeowner's exemption	$209,033	$217,500 Land $61,000 Building $156,500
2023	$60.00 Homeowner's exemption	$192,100 Land $61,000 Building $131,100	$192,100 Land $61,000 Building $131,100

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

Flood

FEMA maps place 106 Windmill Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective May 10, 2022 · 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 6 (20% premium discount)
Nearby Flood Policies	33 units insured incl. 24 condo units
Nearby Flood Claims	10 (1978–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims

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 106 Windmill Rd 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Windmill Rd

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