13 Bluffs Dr, Conowingo, MD 21918 Property Records

Cecil County property record for 13 Bluffs Dr, Conowingo, MD 21918 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,664 sqft · built 1991
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on File
Last Sale	$179,900 (Jun 2003)
Tax Bill	$2,579 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-039735`

Property Details

APN / Parcel Number

Primary APN	`07-039735`
Alternative APNs	`7039735` `039735`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Total Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	60,113 sqft (1.38 acres)
Deck Area	96 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	039735
Street Address	13 BLUFFS DR
City	CONOWINGO
State	MD
Zip	21918-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 - 1.387 ACRE 13 BLUFF DRIVE THE BLUFFS
Legal Subdivision	THE BLUFFS
Legal Lot Number	13
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1004
Census Tract	31201

Owner

Source: Cecil County records · APN 07-039735

Assessment roll updated August 12, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	13 BLUFFS DR, CONOWINGO, MD 21918-1714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 06, 2022	Deed of Trust, Mortgage · Line of Credit APG FCU
Dec 30, 2019	Grant Deed, Subdivision Related Transfer · FHA Mortgage NVR MTG FIN
Sep 03, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage GSF MORTGAGE CORP
Aug 21, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage GSF MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 10, 2003 · Amount on Record
Deed Sale	Jun 10, 2003 · Amount on Record
Prior Sale	Apr 07, 1997 · Amount on Record
Deed Document Number	2003259954
Deed Book / Page	1402 / 116
Last Transfer Date	Aug 26, 2019
Transfer Doc	0044560325
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	13 BLUFFS DR, CONOWINGO, MD 21918-1714
Transaction Type	Mortgage
Record Updated	Dec 15, 2022
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 BLUFFS DR, CONOWINGO, MD 21918-1714

Mortgage

Document Number	0052680235
Date	Dec 06, 2022
Book Page	5268/235

Lender

Name	APG FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Dec 30, 2019
Property Address	13 BLUFFS DR, CONOWINGO, MD 21918-1714
Document Number	0045240375
Book / Page	004524 / 000375
Instrument Date	Dec 12, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 20, 2020
Title Company	NVR SETTLEMENT SERVICES/MD INC, NVR SETTLEMENT SVCS/MD INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$275.96
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	13 BLUE SRUCE WAY ELKTON MD 21921, ELKTON, MD 21921

Mortgage

Document Number	45240382
Date	Dec 30, 2019
Book Page	004524/000382

Lender

Name	NVR MTG FIN
Type	Mortgage Company
Address	CANONSBURG, PA 15317

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Sep 03, 2019
Property Address	13 BLUFFS DR, CONOWINGO, MD 21918-1714
Document Number	0044560325
Book / Page	4456 / 325
Map Reference	MB PC 147 FO 219
Instrument Date	Aug 26, 2019
Transaction Type	Transfer
Record Updated	May 02, 2022

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	Tenants by the Entirety
Address	13 BLUFFS DR, CONOWINGO, MD 21918-1714

Mortgage

Document Number	0004456330
Date	Sep 03, 2019
Instrument	4456/330

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2049

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Aug 21, 2017
Property Address	13 BLUFFS DR, CONOWINGO, MD 21918-1714
Document Number	0041190040
Book / Page	4119 / 040
Instrument Date	Jul 11, 2017
Transaction Type	Transfer
Record Updated	May 02, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 BLUFFS DR, CONOWINGO, MD 21918-1714

Mortgage

Document Number	0000411947
Date	Aug 21, 2017
Instrument	4119/47

Lender

Name	GSF MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2047

Tax Assessment & Valuation

Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$274,500 (+8.44%) Land $75,500 Building $199,000	$274,500 (-) Land $75,500 Building $199,000
2025	$2,579.00 (+53.24%) Homeowner's exemption	$253,133 (+20.31%)	$274,500 (+30.47%) Land $75,500 Building $199,000
2023	$1,683.00 Homeowner's exemption	$210,400 Land $75,500 Building $134,900	$210,400 Land $75,500 Building $134,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240150312011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 units insured 24 under condo master policies
Nearby Flood Claims	10 (1978–2012)
Most Recent Claim	Oct 2012, other causes, Hurricane Sandy
Claims By Storm	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 37 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Armstrong Holdings	Cable	750 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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