176 Old Mill Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 176 Old Mill Rd, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	1 ba · 936 sqft · built 1962
Lot Size	0.96 acres (41,817 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Feb 2024)
Tax Bill	$2,000 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-005818`

Property Details

APN / Parcel Number

Primary APN	`08-005818`
Alternative APNs	`8005818` `005818`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Total Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	41,817 sqft (0.96 acres)

Exterior Amenities

Porch	Porch
Porch Area	112 sqft
Patio Area	256 sqft
Shed	1 Shed
Shed Area	759 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	005818
Street Address	176 OLD MILL RD
City	CONOWINGO
State	MD
Zip	21918-1149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAR
Legal Description	.96 ACRE 176 OLD MILL ROAD N/W OF ROCK SPRINGS
Jurisdiction	CECIL MD
Township / Civil Division	8, OAKWOOD
Census Block Group	1
Census Block	1001
Census Tract	31400

Owner

Source: Cecil County records · APN 08-005818

Assessment roll updated August 12, 2025 · 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	176 OLD MILL RD, CONOWINGO, MD 21918-1149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 08, 2024	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 10, 2020	Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP
Jan 14, 2019	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 08, 2024 · Amount on Record
Deed Sale	Feb 08, 2024 · Amount on Record
Prior Sale	Aug 10, 2020 · Amount on Record
Deed Book / Page	5427 / 413
Prior Transfer Date	Feb 27, 2007
Prior Transfer Doc	0000274894
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Apr 15, 2026
Property Address	176 OLD MILL RD, CONOWINGO, MD 21918-1149
Document Number	5770000301
Book / Page	5770 / 301
Instrument Date	Apr 07, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 OLD MILL RD, CONOWINGO, MD 21918-1149
Investor	Possibly a Property Investor

Mortgage

Document Number	5770000301,
Date	Apr 15, 2026
Book Page	5770/301

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Feb 08, 2024
Property Address	176 OLD MILL RD, CONOWINGO, MD 21918-1149
Document Number	0054270413
Book / Page	5427 / 413
Instrument Date	Dec 29, 2023
Transaction Type	Transfer
Record Updated	Mar 13, 2024
Title Company	SANCTUARY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$725.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	176 OLD MILL RD, CONOWINGO, MD 21918-1149

Mortgage

Document Number	0054270420
Date	Feb 08, 2024
Instrument	5427-0420

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2054

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 10, 2020
Property Address	176 OLD MILL RD, CONOWINGO, MD 21918-1149
Document Number	0046540253
Book / Page	4654 / 253
Instrument Date	Jul 30, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	KIRSH TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 OLD MILL RD, CONOWINGO, MD 21918-1149

Mortgage

Document Number	0004654258
Date	Aug 10, 2020
Instrument	4654/258

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2050

January 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CECIL MD
Recording Date	Jan 14, 2019
Property Address	176 OLD MILL RD, CONOWINGO, MD 21918-1149
Document Number	0043500211
Book / Page	004350 / 000211
Instrument Date	Oct 25, 2018
Transaction Type	Foreclosure
Record Updated	Jan 29, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$54.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 OLD MILL RD CONOWINGO MD 219181148, CONOWINGO, MD 21918-1148

Tax Assessment & Valuation

Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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		$204,233 (+15.19%)	$258,100 (+45.57%) Land $70,900 Building $187,200
2025	$2,000.00 (+72.12%)	$177,300 (+8.66%) Land $70,900 Building $106,400	$177,300 (-) Land $70,900 Building $106,400
2023	$1,162.00	$163,167	$177,300 Land $70,900 Building $106,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	1 in force
Nearby Flood Claims	2 (1978)
Most Recent Claim	Jan 1978 · tidal / storm surge

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Armstrong Holdings Cable	750 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 30 locations within half a mile of this property.

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