24680 Trunk Line Rd, Henderson, MD 21640 Property Records

Caroline County property record for 24680 Trunk Line Rd, Henderson, MD 21640

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,696 sqft · built 1989
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Sep 2004)
Tax Bill	$2,925 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2019 Line of Credit
Flood Zone	Zone A (high risk)
APN	`01-015001`

Property Details

APN / Parcel Number

Primary APN	`01-015001`
Alternative APNs	`1015001` `015001`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	174,240 sqft (4 acres)

Exterior Amenities

Porch	Slab
Porch Area	232 sqft
Patio Area	540 sqft
Shed	1 Shed
Shed Area	896 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	015001
Street Address	24680 TRUNK LINE RD
City	HENDERSON
State	MD
Zip	21640-1531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	4.0 AC L-3 NE/S TRUNK LINE ROAD NW OF HENDERSON
Legal Subdivision	JACK L PIANTANIDA LANDS
Legal Lot Number	3
Jurisdiction	CAROLINE MD
Township / Civil Division	1, HENDERSON
Census Block Group	1
Census Block	1036
Census Tract	955000

Owner

24680 Trunk Line Rd is owned and occupied by two individuals who acquired it in December 2007.

Source: Caroline County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	24680 TRUNK LINE RD, HENDERSON, MD 21640-1531
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
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC
Mar 15, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2004 · Amount on File
Deed Sale	Sep 30, 2004 · Amount on File
Prior Sale	Feb 13, 2004 · Amount on File
Deed Document Number	200441129
Deed Book / Page	564 / 110
Last Transfer Date	Dec 19, 2007
Transfer Doc	0007980671
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	24680 TRUNK LINE RD, HENDERSON, MD 21640-1531
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014850337
Date	Apr 15, 2021
Book Page	1485/337

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	24680 TRUNK LINE RD, HENDERSON, MD 21640-1531
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013480384
Date	Mar 15, 2019
Book Page	1348/384

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 24680 Trunk Line Rd was $2,925 with a homeowner's exemption, up 3.4% from the year before.

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,925.00 (+3.36%) Homeowner's exemption	$278,933 (+8.63%)	$301,100 (-) Land $100,000 Building $201,100
2025	$2,830.00 Homeowner's exemption	$256,767	$301,100 Land $100,000 Building $201,100
2023	$2,493.00 Homeowner's exemption	$228,300	$234,600 Land $79,000 Building $155,600

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

Flood

FEMA maps place 24680 Trunk Line Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2011)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 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 24680 Trunk Line 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500

Cell Coverage

5G (outdoors only) and 4G LTE

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