214 Spruce St, Delmar, MD 21875 Property Records

Wicomico County property record for 214 Spruce St, Delmar, MD 21875

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,142 sqft · built 2009
Lot Size	0.54 acres (23,516 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Apr 2020)
Tax Bill	$3,119 (2025)
Deeds & Mortgages	May 2023 Line of Credit Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-004547`

Property Details

APN / Parcel Number

Primary APN	`11-004547`
Alternative APN	`004547`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,142 sqft Total Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	23,516 sqft (0.54 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	004547
Street Address	214 SPRUCE ST
City	DELMAR
State	MD
Zip	21875-1758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 30-23,516 SQFT 214 SPRUCE ST WILCHER PARK SEC 2
Legal Subdivision	WILCHER PARK
Legal Lot Number	30
Jurisdiction	WICOMICO MD
Township / Civil Division	11, DELMAR
Census Block Group	1
Census Block	1051
Census Tract	10703

Owner

214 Spruce St is owned and occupied by two individuals who bought it in April 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	214 SPRUCE ST, DELMAR, MD 21875-1758
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
May 30, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Apr 14, 2020	Special Warranty Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2020 · Amount on File
Deed Sale	Apr 14, 2020 · Amount on File
Prior Sale	Apr 9, 2009
Deed Book / Page	4620 / 203
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WICOMICO MD
Property Address	214 SPRUCE ST, DELMAR, MD 21875-1758
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052580281
Date	May 30, 2023
Book Page	5258/281

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	WICOMICO MD
Recording Date	Apr 14, 2020
Property Address	214 SPRUCE ST, DELMAR, MD 21875-1758
Document Number	0046200203
Book / Page	4620 / 203
Map Reference	MB MSB8 PG 52
Instrument Date	Feb 27, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	CAPITOL TITLE GROUP

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	214 SPRUCE ST, DELMAR, MD 21875-1758

Mortgage

Document Number	0004620211
Date	Apr 14, 2020
Instrument	4620/211

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 214 Spruce St was $3,119.

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		$376,800 Land $29,800 Building $347,000	$376,800 Land $29,800 Building $347,000
2025	$3,119.00
2023	$2,414.00	$242,100 Land $29,800 Building $212,300	$242,100 Land $29,800 Building $212,300

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

Flood

FEMA maps place 214 Spruce St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 214 Spruce St is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 82% of Maryland
Wildfire Likelihood	0.07% 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 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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