192 Dutch Dr, Conowingo, MD 21918 Property Records

Cecil County property record for 192 Dutch Dr, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,210 sqft · built 1994
Lot Size	0.834 acres (36,329 sqft)
Owner	2 Individual Names on Record
Last Sale	$392,500 (Oct 2022)
Tax Bill	$3,197 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-040598`

Property Details

APN / Parcel Number

Primary APN	`07-040598`
Alternative APNs	`7040598` `040598`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,210 sqft Total Area
Basement Area	644 sqft
Finished Basement	644 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	36,329 sqft (0.834 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Deck Area	320 sqft
Patio Area	1,118 sqft
Gazebo	125 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	040598
Street Address	192 DUTCH DR
City	CONOWINGO
State	MD
Zip	21918-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 119 - .834 ACRE 192 DUTCH DRIVE HOLLAND ACRES
Legal Subdivision	HOLLAND ACRES
Legal Lot Number	119
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1002
Census Tract	31201

Owner

Source: Cecil County records, as of September 21, 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 Record
Mailing Address	192 DUTCH DR, CONOWINGO, MD 21918-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2022	Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC
Apr 7, 2022	Deed, Transfer LIBERTY TITLE, LIBERTY TITLE SERVICES LLC
Mar 2, 2017	Loan Modification, Mortgage · FHA Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2022 · Amount on Record
Deed Sale	Oct 18, 2022 · Amount on Record
Prior Sale	Apr 7, 2022 · Amount on Record
Deed Book / Page	5249 / 285
Record Updated	Oct 29, 2026

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Oct 18, 2022
Property Address	192 DUTCH DR, CONOWINGO, MD 21918-1708
Document Number	0052490285
Book / Page	5249 / 285
Map Reference	PC 269 FO 438
Instrument Date	Oct 14, 2022
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	SECU TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,962.50
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 by the Entirety
Address	192 DUTCH DR, CONOWINGO, MD 21918-1708

Mortgage

Document Number	0052490293
Date	Oct 18, 2022
Instrument	5249-0293

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	10.1%
Max Rate	10.1%

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 7, 2022
Property Address	192 DUTCH DR, CONOWINGO, MD 21918-1708
Document Number	0051420321
Book / Page	5142 / 321
Map Reference	CAB 269 FO 438
Instrument Date	Mar 31, 2022
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	LIBERTY TITLE, LIBERTY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	224 DUTCH DR, CONOWINGO, MD 21918-1715

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CECIL MD
Property Address	192 DUTCH DR, CONOWINGO, MD 21918-1708
Document Number	0040440185
Book / Page	004044 / 000185
Instrument Date	Mar 2, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	192 DUTCH DR CONOWINGO MD 219181708, CONOWINGO, MD 21918-1708

Mortgage

Document Number	0040440185
Date	Mar 31, 2017
Book Page	004044/000185

Lender

Name	CARRINGTON MTG SVCS
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2047

Interest

Rate	3.87%

Tax Assessment & Valuation

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	$3,197.00 (+3.7%) Homeowner's exemption	$385,200 (+52.61%) Land $68,100 Building $317,100	$385,200 (+52.61%) Land $68,100 Building $317,100
2025	$3,083.00 (+43.6%) Homeowner's exemption
2023	$2,147.00	$252,400 Land $68,100 Building $184,300	$252,400 Land $68,100 Building $184,300

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 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

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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