176 Main St, Warwick, MD 21912 Property Records

Cecil County property record for 176 Main St, Warwick, MD 21912

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,852 sqft · built 1943
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$214,000 (Jan 2023)
Tax Bill	$2,151 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-020307`

Property Details

APN / Parcel Number

Primary APN	`01-020307`
Alternative APNs	`1020307` `020307`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,852 sqft Total Area

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Slab
Porch Area	502 sqft
Shed	1 Shed
Shed Area	480 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	020307
Street Address	176 MAIN ST
City	WARWICK
State	MD
Zip	21912-1117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Description	1 ACRE 176 MAIN STREET WARWICK
Jurisdiction	CECIL MD
Township / Civil Division	1, CECILTON
Census Block Group	2
Census Block	2029
Census Tract	30100

Owner

176 Main St is owned and occupied by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	176 MAIN ST, WARWICK, MD 21912-1117
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
Jan 30, 2023	Deed, Transfer · Conventional Mortgage FULTON BANK NA
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 22, 2019	Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2023 · Amount on File
Deed Sale	Jan 30, 2023 · Amount on File
Prior Sale	May 22, 2019 · Amount on File
Deed Book / Page	5288 / 227
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 30, 2023
Property Address	176 MAIN ST, WARWICK, MD 21912-1117
Document Number	0052880227
Book / Page	5288 / 227
Instrument Date	Jan 18, 2023
Transaction Type	Transfer
Record Updated	Feb 8, 2023
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$535.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	176 MAIN ST, WARWICK, MD 21912-1117

Mortgage

Document Number	0052880232
Date	Jan 30, 2023
Instrument	5288-0232

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	176 MAIN ST, WARWICK, MD 21912-1117
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046720303
Date	Sep 2, 2020
Book Page	4672/303

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 22, 2019
Property Address	176 MAIN ST, WARWICK, MD 21912-1117
Document Number	0044030240
Book / Page	4403 / 240
Instrument Date	May 9, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KEY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	176 MAIN ST, WARWICK, MD 21912-1117

Mortgage

Document Number	0004403247
Date	May 22, 2019
Instrument	4403/247

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 176 Main St was $2,151 with a homeowner's exemption, up 3.2% 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	$2,151.00 (+3.17%) Homeowner's exemption	$200,500	$212,000 Land $84,700 Building $127,300
2025	$2,085.00 Homeowner's exemption
2023	$1,293.00	$175,033	$177,500 Land $84,700 Building $92,800

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

Flood

FEMA maps place 176 Main St in Zone X, an area of minimal flood risk.

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	3 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 176 Main St 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	None beyond ember reach

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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: RiverNet.

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