197 Harmony Chapel Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 197 Harmony Chapel Rd, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	1 ba · 936 sqft · built 1948
Lot Size	0.309 acres (13,460 sqft)
Owner	Individual Name on File
Last Sale	$66,000 (May 2018)
Tax Bill	$1,861 (2026)
Deeds & Mortgages	Feb 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-013345`

Property Details

APN / Parcel Number

Primary APN	`07-013345`
Alternative APNs	`7013345` `013345`

Interior

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

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	13,460 sqft (0.309 acres)
Porch	Porch
Porch Area	288 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	013345
Street Address	197 HARMONY CHAPEL RD
City	CONOWINGO
State	MD
Zip	21918-1811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAR
Legal Description	.3093 ACRE 197 HARMONY CHAPEL ROAD W OF LIBERTY GROVE
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1004
Census Tract	31201

Owner

197 Harmony Chapel Rd is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	197 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1811
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
Feb 26, 2020	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
May 24, 2018	Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Deed Book / Page	4248 / 173
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	197 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1811
Document Number	0045620134
Instrument Date	Feb 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 HARMONY CHAPEL RD CONOWINGO MD 219181811, CONOWINGO, MD 21918-1811

Mortgage

Document Number	0045620134
Date	Mar 6, 2020
Book Page	004562/000134

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2050

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 24, 2018
Property Address	197 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1811
Document Number	0042480173
Book / Page	4248 / 173
Instrument Date	May 14, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	TITLE RESOURCES GUARATNY CO

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 HAMORY CHAPEL RD, CONOWINGO, MD 21918

Mortgage

Document Number	0004248182
Date	May 24, 2018
Instrument	4248/182

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 197 Harmony Chapel Rd was $1,861 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	$1,861.00 (+3.16%) Homeowner's exemption	$169,200 Land $53,400 Building $115,800	$169,200 Land $53,400 Building $115,800
2025	$1,804.00 Homeowner's exemption
2023	$905.00	$139,900 Land $53,400 Building $86,500	$139,900 Land $53,400 Building $86,500

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

Flood

FEMA maps place 197 Harmony Chapel Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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 197 Harmony Chapel Rd 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300

May also be available: Armstrong.

Cell Coverage

5G (outdoors only) and 4G LTE

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