191 Dutch Dr, Conowingo, MD 21918 Property Records

Cecil County property record for 191 Dutch Dr, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,187 sqft · built 1993
Lot Size	1.61 acres (70,132 sqft)
Owner	Individual Name on File
Last Sale	$377,000 (Jul 2024)
Tax Bill	$3,291 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-040695`

Property Details

APN / Parcel Number

Primary APN	`07-040695`
Alternative APNs	`7040695` `040695`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,187 sqft Total Area
Basement Area	850 sqft
Finished Basement	850 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	70,132 sqft (1.61 acres)
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	040695
Street Address	191 DUTCH DR
City	CONOWINGO
State	MD
Zip	21918-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 128 - 1.617 ACRE 191 DUTCH DRIVE HOLLAND ACRES
Legal Subdivision	HOLLAND ACRES
Legal Lot Number	128
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1002
Census Tract	31201

Owner

191 Dutch Dr is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	191 DUTCH DR, CONOWINGO, MD 21918-1709
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
Apr 21, 2022	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jul 14, 2021	Intrafamily Transfer, Transfer
Jun 27, 2019	Deed, Transfer · FHA Mortgage HOWARD BANK
Mar 1, 2017	Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2024 · Amount on File
Deed Sale	Jul 12, 2024 · Amount on File
Prior Sale	Jun 27, 2019 · Amount on File
Deed Book / Page	5490 / 171
Prior Transfer Date	Jan 1, 2021
Prior Transfer Doc	0049320492
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	191 DUTCH DR, CONOWINGO, MD 21918-1709
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 DUTCH DR, CONOWINGO, MD 21918-1709

Mortgage

Document Number	0051510156
Date	Apr 21, 2022
Book Page	5151/156

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2052

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Jul 14, 2021
Property Address	191 DUTCH DR, CONOWINGO, MD 21918-1709
Document Number	0049320492
Book / Page	4932 / 492
Map Reference	CAB 269 FO 438
Instrument Date	Jan 1, 2021
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 DUTCH DR, CONOWINGO, MD 21918-1709

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 27, 2019
Property Address	191 DUTCH DR, CONOWINGO, MD 21918-1709
Document Number	0044240057
Book / Page	4424 / 057
Map Reference	CAB 269 FO 438
Instrument Date	Jun 13, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	XPRESS TITLE SERVICES LLC

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	Revocable Living Trust
Address	191 DUTCH DR, CONOWINGO, MD 21918-1709

Mortgage

Document Number	0000442462
Date	Jun 27, 2019
Instrument	4424/62

Lender

Name	HOWARD BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Mar 1, 2017
Property Address	191 DUTCH DR, CONOWINGO, MD 21918-1709
Document Number	0040300406
Book / Page	4030 / 406
Map Reference	FO438
Instrument Date	Feb 17, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	GEMINI TITLE & ESCROW LLC

Transaction

Amount	Amount 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
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 DUTCH DR, CONOWINGO, MD 21918-1709

Mortgage

Document Number	0004030411
Date	Mar 1, 2017
Instrument	4030/411

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 191 Dutch Dr was $3,291, up 5.2% 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	$3,291.00 (+5.24%)	$298,000 (+6.3%) Land $77,800 Building $220,200	$298,000 (-) Land $77,800 Building $220,200
2025	$3,127.00	$280,333	$298,000 Land $77,800 Building $220,200
2023	$2,065.00	$245,000 Land $77,800 Building $167,200	$245,000 Land $77,800 Building $167,200

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

Flood

FEMA maps place 191 Dutch Dr in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1978.

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	33 units insured incl. 24 condo units
Nearby Flood Claims	10 (1978–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims

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 191 Dutch Dr 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	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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Dutch Dr

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