207 Harmony Chapel Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 207 Harmony Chapel Rd, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,610 sqft · built 1854
Lot Size	0.394 acres (17,152 sqft)
Owner	Individual Name on Record
Last Sale	$273,000 (Jun 2022)
Tax Bill	$2,511 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-013248`

Property Details

APN / Parcel Number

Primary APN	`07-013248`
Alternative APNs	`7013248` `013248`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,610 sqft Total Area

Exterior

Year Built	Built 1854
Effective Year Built	Effective 1854
Construction Type	Frame
Roof Material	Metal
Lot Area	17,152 sqft (0.394 acres)
Garage Type	Detached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	256 sqft
Deck Area	72 sqft
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	013248
Street Address	207 HARMONY CHAPEL RD
City	CONOWINGO
State	MD
Zip	21918-1809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAR
Legal Description	.39375 ACRE 207 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

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	Individual Name on Record
Mailing Address	207 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed, Transfer · Conventional Mortgage FLORIDA CAPITAL BANK NA
Jun 20, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Prior Sale	Aug 23, 2002 · Amount on Record
Deed Book / Page	5191 / 262
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 28, 2022
Property Address	207 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1809
Document Number	0051910262
Book / Page	5191 / 262
Instrument Date	Jun 24, 2022
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transaction

Amount	Amount Recorded
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	207 HARMONY CHAPEL RD, 207, CONOWINGO, MD 21918-1809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1809

Mortgage

Document Number	0005191270
Date	Jun 28, 2022
Instrument	5191-270

Lender

Name	FLORIDA CAPITAL BANK NA
Type	Bank

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	207 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1809
Document Number	0042690099
Instrument Date	Jun 20, 2018
Transaction Type	Mortgage
Record Updated	Jul 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	207 HARMONY CHAPEL RD CONOWINGO MD 219181809, CONOWINGO, MD 21918-1809

Mortgage

Document Number	0042690099
Date	Jul 9, 2018
Book Page	004269/000099

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$2,511.00 (+3.55%) Homeowner's exemption	$250,400 (+69.76%) Land $57,100 Building $193,300	$250,400 (+69.76%) Land $57,100 Building $193,300
2025	$2,425.00 (+145.45%) Homeowner's exemption
2023	$988.00	$147,500 Land $57,100 Building $90,400	$147,500 Land $57,100 Building $90,400

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
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

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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