16990 Diggins Rd, Henderson, MD 21640 Property Records

Caroline County property record for 16990 Diggins Rd, Henderson, MD 21640

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,170 sqft · built 1990
Lot Size	4.03 acres (175,547 sqft)
Owner	Individual Name on Record
Last Sale	$175,900 (Nov 2019)
Tax Bill	$2,138 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-014986`

Property Details

APN / Parcel Number

Primary APN	`01-014986`
Alternative APNs	`1014986` `014986`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,170 sqft Total Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	175,547 sqft (4.03 acres)
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	014986
Street Address	16990 DIGGINS RD
City	HENDERSON
State	MD
Zip	21640-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	4.030 AC LOT 1 NW/S DIGGINS ROAD W OF HENDERSON
Legal Lot Number	1
Jurisdiction	CAROLINE MD
Township / Civil Division	1, HENDERSON
Census Block Group	2
Census Block	2027
Census Tract	955000

Owner

Source: Caroline County records, as of August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	16990 DIGGINS RD, HENDERSON, MD 21640-1403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2019 · Amount on Record
Deed Sale	Nov 8, 2019 · Amount on Record
Deed Book / Page	1384 / 317
Record Updated	Sep 20, 2026

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAROLINE MD
Recording Date	Nov 8, 2019
Property Address	16990 DIGGINS RD, HENDERSON, MD 21640-1403
Document Number	0013840317
Book / Page	001384 / 000317
Instrument Date	Nov 5, 2019
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	TITLE EXCELLENCE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	16990 DIGGINS RD HENDERSON MD 216401403, HENDERSON, MD 21640-1403

Mortgage

Document Number	13840323
Date	Nov 8, 2019
Book Page	001384/000323

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	16990 DIGGINS RD, HENDERSON, MD 21640-1403
Document Number	0013870423
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25710 PARADISE LN GOLDSBORO MD 216361124, GOLDSBORO, MD 21636-1124

Mortgage

Document Number	0013870423
Date	Dec 2, 2019
Book Page	001387/000423

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2039

Tax Assessment & Valuation

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		$214,300 (+21.95%)	$231,200 (+28.09%) Land $100,100 Building $131,100
2025	$2,138.00 (+11.41%)
2023	$1,919.00 Homeowner's exemption	$175,733	$180,500 Land $79,100 Building $101,400

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.03% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 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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