149 Tulip Dr, Conowingo, MD 21918 Property Records

Cecil County property record for 149 Tulip Dr, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,016 sqft · built 1995
Lot Size	0.93 acres (40,510 sqft)
Owner	2 Individual Names on File
Last Sale	$159,500 (Dec 2001)
Tax Bill	$3,548 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-039239`

Property Details

APN / Parcel Number

Primary APN	`07-039239`
Alternative APNs	`7039239` `039239`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,016 sqft Total Area
Basement Area	836 sqft
Finished Basement	836 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	40,510 sqft (0.93 acres)
Porch	Slab
Porch Area	144 sqft
Deck Area	380 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	039239
Street Address	149 TULIP DR
City	CONOWINGO
State	MD
Zip	21918-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 100 - .93 ACRE 149 TULIP DRIVE HOLLAND ACRES
Legal Subdivision	HOLLAND ACRES
Legal Lot Number	100
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1002
Census Tract	31201

Owner

149 Tulip Dr is owned and occupied by two individuals who acquired it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	149 TULIP DR, CONOWINGO, MD 21918-1926
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
Mar 17, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 6, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Feb 14, 2020	Deed of Trust, Mortgage · VA Mortgage MID-CONTINENT FNDG INC
Feb 7, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jan 14, 2019	Quit Claim Deed, Transfer KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2001 · Amount on File
Deed Sale	Dec 4, 2001 · Amount on File
Prior Sale	Feb 18, 1994 · Amount on File
Deed Document Number	2001254066
Deed Book / Page	1080 / 550
Last Transfer Date	Jan 30, 2020
Transfer Doc	0045480008
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	149 TULIP DR, CONOWINGO, MD 21918-1926
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051250487
Date	Mar 17, 2022
Book Page	5125/487

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	149 TULIP DR, CONOWINGO, MD 21918-1926
Document Number	0047280193
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 7, 2020
Title Company	VISIONET SYSTEMS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	149 TULIP DR CONOWINGO MD 219181926, CONOWINGO, MD 21918-1926

Mortgage

Document Number	0047280193
Date	Nov 17, 2020
Book Page	004728/000193

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	149 TULIP DR, CONOWINGO, MD 21918-1926
Document Number	0045620017
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	149 TULIP DR CONOWINGO MD 219181926, CONOWINGO, MD 21918-1926

Mortgage

Document Number	0045620017
Date	Mar 6, 2020
Book Page	004562/000017

Lender

Name	MID-CONTINENT FNDG INC
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2050

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Feb 7, 2020
Property Address	149 TULIP DR, CONOWINGO, MD 21918-1926
Document Number	0045480008
Book / Page	004548 / 000008
Instrument Date	Jan 30, 2020
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	149 TULIP DR CONOWINGO MD 219181926, CONOWINGO, MD 21918-1926

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CECIL MD
Recording Date	Jan 14, 2019
Property Address	149 TULIP DR, CONOWINGO, MD 21918-1926
Document Number	0043500003
Book / Page	004350 / 000003
Instrument Date	Dec 31, 2018
Transaction Type	Transfer
Record Updated	Jan 29, 2019
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	749 TULIP DR CONOWINGO MD 21918, CONOWINGO, MD 21918

Tax Assessment & Valuation

The 2026 property tax bill for 149 Tulip Dr was $3,548 with a homeowner's exemption, up 3.3% from the year before.

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	$3,548.00 (+3.26%) Homeowner's exemption	$329,200 (+6.7%) Land $70,200 Building $259,000	$329,200 (-) Land $70,200 Building $259,000
2025	$3,436.00 Homeowner's exemption	$308,533	$329,200 Land $70,200 Building $259,000
2023	$2,310.00	$267,200 Land $70,200 Building $197,000	$267,200 Land $70,200 Building $197,000

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

Flood

FEMA maps place 149 Tulip Dr 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 149 Tulip Dr 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

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