Caroline County property record for 16889 Steele Rd, Henderson, MD 21640 · Last verified August 2026
| Property Type | Rural Home |
|---|---|
| Details | 1 ba · 2,080 sqft · built 1985 |
| Lot Size | 10.5 acres (459,558 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $20,000 (Mar 1984) |
| Tax Bill | $3,444 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-014366 |
| Primary APN | 01-014366 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 2,080 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 459,558 sqft (10.5 acres) |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 441 sqft |
| Porch | Slab |
| Porch Area | 400 sqft |
| Deck Area | 64 sqft |
| Patio Area | 164 sqft |
| Shed | 1 Shed |
| Shed Area | 2,140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 014366 |
|---|---|
| Street Address | 16889 STEELE RD |
| City | HENDERSON |
| State | MD |
| Zip | 21640-1462 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 10.551 AC SE/S STEELE ROAD SW OF HENDERSON |
| Jurisdiction | CAROLINE MD |
| Township / Civil Division | 1, HENDERSON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 955000 |
Source: Caroline County records · APN 01-014366
Assessment roll updated August 18, 2026 · 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 | 16889 STEELE RD, HENDERSON, MD 21640-1462 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 15, 1984 · Amount on Record |
| Deed Sale | Mar 15, 1984 · Amount on Record |
| Deed Book / Page | 220 / 177 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 16889 STEELE RD, HENDERSON, MD 21640-1462 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013990319 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 1399/319 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAROLINE MD |
| Property Address | 16889 STEELE RD, HENDERSON, MD 21640-1462 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | EASTERN SHORE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0014170065 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 1417/65 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
Source: Caroline County records · Assessment roll updated August 18, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Caroline County |
| Unified School District | Caroline County Public Schools (PK - 12) |
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 | $359,733 (+23.51%) | $388,300 (+28.32%) Land $100,300 Building $288,000 | |
| 2025 | $3,444.00 (+8.3%) | ||
| 2023 | $3,180.00 Homeowner's exemption | $291,267 | $302,600 Land $79,400 Building $223,200 |
Source: FEMA National Flood Hazard Layer, Caroline County (24011C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240119550002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 2 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Choptank Electric Cooperative | Fiber | 2,500 / 2,500 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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