Cecil County property record for 12 Cecil Rd, Charlestown, MD 21914
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,248 sqft · built 2004 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,780 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 05-050529 |
| Primary APN | 05-050529 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,248 sqft Total Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| View / Lot | Waterfront |
| Garage Type | Basement |
| Garage Area | 1,248 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 332 sqft |
| Deck Area | 428 sqft |
| Shed | 1 Shed |
| Shed Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 050529 |
|---|---|
| Street Address | 12 CECIL RD |
| City | CHARLESTOWN |
| State | MD |
| Zip | 21914-1145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 11 - .207 ACRE 12 CECIL ROAD NEAR CHARLESTOWN |
| Legal Subdivision | COULTERS POINT |
| Legal Lot Number | 11 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 5, NORTH EAST |
| Census Block Group | 2 |
| Census Block | 2033 |
| Census Tract | 30907 |
12 Cecil Rd is owned by two individuals who acquired it in August 1999.
Source: Cecil County records, as of September 21, 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 File |
|---|---|
| Mailing Address | 176 AMERICAN WAY, DOWNINGTOWN, PA 19335-2062 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 1999 |
| Deed Sale | Aug 20, 1999 |
| Deed Document Number | 1999246110 |
| Deed Book / Page | 832 / 254 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 12 Cecil Rd was $3,780, up 4.3% from the year before.
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,780.00 (+4.28%) | $343,100 Land $156,000 Building $187,100 | $343,100 Land $156,000 Building $187,100 |
| 2025 | $3,625.00 | ||
| 2023 | $3,274.00 | $291,100 Land $156,000 Building $135,100 | $291,100 Land $156,000 Building $135,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Cecil Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 10, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 84 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 84 in force |
| Nearby Flood Claims | 6 (2012–2026) |
| Most Recent Claim | Jun 2026 · 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 risk around 12 Cecil Rd is low, with less than 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 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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