26 Arc Dr, Conowingo, MD 21918 Property Records

Cecil County property record for 26 Arc Dr, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,414 sqft · built 2018
Lot Size	1.44 acres (62,726 sqft)
Owner	2 Individual Names on File
Last Sale	$102,500 (Jun 2018)
Tax Bill	$3,753 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-138808`

Property Details

APN / Parcel Number

Primary APN	`08-138808`
Alternative APN	`138808`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,414 sqft Total Area
Utility Area	288 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	62,726 sqft (1.44 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	761 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	138808
Street Address	26 ARC DR
City	CONOWINGO
State	MD
Zip	21918-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAR
Legal Description	LOT 7 - 1.440 ACRES 26 ARC DRIVE THE POTTERS CLAY
Legal Subdivision	THE POTTERS CLAY
Legal Lot Number	7
Jurisdiction	CECIL MD
Township / Civil Division	8, OAKWOOD
Census Block Group	2
Census Block	2018
Census Tract	31400

Owner

26 Arc Dr is owned and occupied by two individuals who bought it in June 2018.

Source: Cecil County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	26 ARC DR, CONOWINGO, MD 21918-1227
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
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK AND TRUST COMPANY
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOWARD BANK
Nov 6, 2018	Loan Modification, Mortgage COLUMBIA BK
Jun 28, 2018	Deed, Subdivision Related Transfer · ARM THE COLUMBIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on File
Deed Sale	Jun 28, 2018 · Amount on File
Deed Book / Page	4265 / 486
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Oct 2, 2026
Property Address	26 ARC DR, CONOWINGO, MD 21918-1227
Document Number	5857000123
Book / Page	5857 / 123
Instrument Date	Sep 11, 2026
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 ARC DR, CONOWINGO, MD 21918-1227

Mortgage

Document Number	5857000123,
Date	Oct 2, 2026
Book Page	5857/123

Lender

Name	MANUFACTURERS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	26 ARC DR, CONOWINGO, MD 21918-1227
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044760297
Date	Oct 4, 2019
Book Page	4476/297

Lender

Name	HOWARD BANK
Type	Bank
Address	BALTIMORE, MD 21224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2049

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CECIL MD
Property Address	26 ARC DR, CONOWINGO, MD 21918-1227
Document Number	0043440449
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 ARC DR CONOWINGO MD 219181227, CONOWINGO, MD 21918-1227

Mortgage

Document Number	0043440449
Date	Jan 3, 2019
Book Page	004344/000449

Lender

Name	COLUMBIA BK
Type	Bank
Address	VIRGINIA BEACH, VA 23462

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

June 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 28, 2018
Property Address	26 ARC DR, CONOWINGO, MD 21918-1227
Document Number	0042650486
Book / Page	4265 / 486
Map Reference	MB1117 PG77
Instrument Date	Jun 27, 2018
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 11, 2022
Title Company	KEY TITLE INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2913 ANCON CT, EDGEWOOD, MD 21040-3418

Mortgage

Document Number	0004265491
Date	Jun 28, 2018
Instrument	4265/491

Lender

Name	THE COLUMBIA BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	371 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

The 2026 property tax bill for 26 Arc Dr was $3,753 with a homeowner's exemption, up 2.9% 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	$3,753.00 (+2.85%) Homeowner's exemption	$380,200	$400,800 Land $114,900 Building $285,900
2025	$3,649.00 Homeowner's exemption
2023	$2,702.00 (-25.26%) Homeowner's exemption	$337,300 (+5.08%)	$369,900 (+15.23%) Land $114,900 Building $255,000
2022	$3,615.00 Homeowner's exemption	$321,000 Land $114,900 Building $206,100	$321,000 Land $114,900 Building $206,100

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

Flood

FEMA maps place 26 Arc Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	4 (1978–1999)
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 26 Arc Dr 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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	750 / 20

May also be available: Verizon.

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