203 Spruce St, Delmar, MD 21875 Property Records

Wicomico County property record for 203 Spruce St, Delmar, MD 21875

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,205 sqft · built 2016
Lot Size	0.273 acres (11,900 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jul 2024)
Tax Bill	$1,907 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Jul 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-000991`

Property Details

APN / Parcel Number

Primary APN	`11-000991`
Alternative APN	`000991`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,205 sqft Total Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,900 sqft (0.273 acres)
Porch	Slab
Porch Area	72 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	000991
Street Address	203 SPRUCE ST
City	DELMAR
State	MD
Zip	21875-1757
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	L-21 11,900 SQFT 203 SPRUCE STREET WILCHER PARK PLAT
Legal Subdivision	WILCHER PARK
Legal Lot Number	21
Jurisdiction	WICOMICO MD
Township / Civil Division	11, DELMAR
Census Block Group	1
Census Block	1050
Census Tract	10703

Owner

Source: Wicomico County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	203 SPRUCE ST, DELMAR, MD 21875-1757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2024	Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jul 29, 2024	Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Jul 31, 2019	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2024 · Amount on Record
Deed Sale	Jul 29, 2024 · Amount on Record
Prior Sale	Jul 31, 2019 · Amount on Record
Deed Book / Page	5423 / 96
Record Updated	Oct 29, 2026

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Jul 29, 2024
Property Address	203 SPRUCE ST, DELMAR, MD 21875-1757
Document Number	0054230096
Book / Page	5423 / 96
Map Reference	LB 444 FO 87
Instrument Date	Jul 17, 2024
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
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	203 SPRUCE ST, DELMAR, MD 21875-1757

Mortgage

Document Number	0005423103
Date	Jul 29, 2024
Instrument	5423/103

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Jul 29, 2024
Property Address	203 SPRUCE ST, DELMAR, MD 21875-1757
Document Number	0054230096
Book / Page	5423 / 96
Map Reference	LB 444 FO 87
Instrument Date	Jul 17, 2024
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
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	203 SPRUCE ST, DELMAR, MD 21875-1757

Mortgage

Document Number	0005423103
Date	Jul 29, 2024
Instrument	5423/103

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Jul 31, 2019
Property Address	203 SPRUCE ST, DELMAR, MD 21875-1757
Document Number	0045030328
Book / Page	4503 / 328
Instrument Date	Jul 26, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
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
Address	203 SPRUCE ST, DELMAR, MD 21875-1757

Mortgage

Document Number	0004503335
Date	Jul 31, 2019
Instrument	4503/335

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Wicomico County assessment roll, as of September 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$230,400 (+11.38%) Land $22,900 Building $207,500	$230,400 (-) Land $22,900 Building $207,500
2025	$1,907.00 (+17.93%)	$206,867 (+29.45%)	$230,400 (+44.18%) Land $22,900 Building $207,500
2024	$1,617.00 (+1.44%)
2023	$1,594.00 Homeowner's exemption	$159,800 Land $22,900 Building $136,900	$159,800 Land $22,900 Building $136,900

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 April 28, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF DELMAR serves 4,500 people · EPA ID MD0220001
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Simple Fiber.

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