16558 Jones Rd, Henderson, MD 21640 Property Records

Caroline County property record for 16558 Jones Rd, Henderson, MD 21640

Property Summary

Property Type	Rural Home
Details	2.5 ba · 2,432 sqft · built 1993
Lot Size	63.7 acres (2,775,208 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Feb 2016)
Tax Bill	$7,675 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-002783`

Property Details

APN / Parcel Number

Primary APN	`01-002783`
Alternative APNs	`1002783` `002783`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,432 sqft Total Area
Basement Area	1 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,775,208 sqft (63.7 acres)
Garage Type	Detached
Garage Area	1,288 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	800 sqft
Deck Area	180 sqft
Stable	4,320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	002783
Street Address	16558 JONES RD
City	HENDERSON
State	MD
Zip	21640-1411
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R
Legal Description	63.71 AC L-3 S/E & W/S JONES ROAD SW OF HENDERSON
Legal Subdivision	MINOR SUBDIVISION
Legal Lot Number	3
Jurisdiction	CAROLINE MD
Township / Civil Division	1, HENDERSON
Census Block Group	2
Census Block	2028
Census Tract	955000

Owner

16558 Jones Rd, a rural home, is owned and occupied by two individuals who bought it in February 2016.

Source: Caroline County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16558 JONES RD, HENDERSON, MD 21640-1411
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
Sep 26, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2016 · Amount on File
Deed Sale	Feb 16, 2016 · Amount on File
Prior Sale	May 20, 2015 · Amount on File
Deed Book / Page	1192 / 56
Prior Transfer Date	Jan 16, 2015
Prior Transfer Doc	0011390194
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	16558 JONES RD, HENDERSON, MD 21640-1411
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013770021
Date	Sep 26, 2019
Book Page	1377/021

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	16558 JONES RD, HENDERSON, MD 21640-1411
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	VENTURE TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015330005
Date	Oct 28, 2021
Book Page	1533/5

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 16558 Jones Rd was $7,675 with a homeowner's exemption, up 3.3% from the year before.

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,675.00 (+3.3%) Homeowner's exemption	$689,367	$737,500 Land $111,300 Building $626,200
2025	$7,430.00
2023	$6,294.00	$576,400	$593,100 Land $101,300 Building $491,800

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

Flood

FEMA maps place 16558 Jones Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · 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 7 (15% premium discount)
Nearby Flood Policies	2 in force

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 16558 Jones Rd is low, with a 0.02% 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	0.02% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500

Cell Coverage

5G and 4G LTE (outdoors only)

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