260 Wards Hill Rd, Warwick, MD 21912 Property Records

Cecil County property record for 260 Wards Hill Rd, Warwick, MD 21912

Property Summary

Property Type	Rural Home
Details	1 ba · 1,180 sqft · built 1965
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$155,711 (Jan 2020)
Tax Bill	$2,811 (2026)
Deeds & Mortgages	Jun 2021 Construction Loan Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-026976`

Property Details

APN / Parcel Number

Primary APN	`01-026976`
Alternative APNs	`1026976` `026976`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,180 sqft Total Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Type	Detached
Garage Area	1,008 sqft
Parking Spaces	3 Parking Spaces
Deck Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026976
Street Address	260 WARDS HILL RD
City	WARWICK
State	MD
Zip	21912-1216
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	SAR
Legal Description	10 ACRES 260 WARDS HILL ROAD E OF CECILTON
Jurisdiction	CECIL MD
Township / Civil Division	1, CECILTON
Census Block Group	2
Census Block	2035
Census Tract	30100

Owner

260 Wards Hill Rd, a rural home, is owned by an individual who bought it in January 2020.

Source: Cecil County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	356 KNIGHTS CORNER RD, ELKTON, MD 21921-8310
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
Jun 8, 2021	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Jan 23, 2020	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Feb 23, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2020 · Amount on File
Deed Sale	Jan 23, 2020 · Amount on File
Prior Sale	Nov 1, 2007
Deed Book / Page	4539 / 365
Prior Transfer Date	Oct 24, 2007
Prior Transfer Doc	0024270335
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	260 WARDS HILL RD, WARWICK, MD 21912-1216
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	ARDENT TITLE COMPANY LLC, ARDENT TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049040187
Date	Jun 8, 2021
Book Page	4904/187

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 23, 2020
Property Address	260 WARDS HILL RD, WARWICK, MD 21912-1216
Document Number	0045390365
Book / Page	4539 / 365
Instrument Date	Jan 15, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ARDENT TITLE CO LLC

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	260 WARDS HILL RD, WARWICK, MD 21912-1216

Mortgage

Document Number	0004539376
Date	Jan 23, 2020
Instrument	4539/376

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CECIL MD
Recording Date	Feb 23, 2017
Property Address	260 WARDS HILL RD, WARWICK, MD 21912-1216
Document Number	0040280167
Book / Page	004028 / 000167
Instrument Date	May 26, 2016
Transaction Type	Transfer
Record Updated	Jul 26, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 WARDS HILL RD WARWICK MD 219121216, WARWICK, MD 21912-1216

Tax Assessment & Valuation

The 2026 property tax bill for 260 Wards Hill Rd was $2,811, down 1.6% 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	$2,811.00 (-1.61%)	$253,767 (-0.73%)	$277,500 (-8.45%) Land $119,100 Building $158,400
2025	$2,857.00	$255,633	$303,100 Land $144,700 Building $158,400
2023	$2,621.00	$231,900 Land $144,700 Building $87,200	$231,900 Land $144,700 Building $87,200

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

Flood

FEMA maps place 260 Wards Hill Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force

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 260 Wards Hill Rd is low, with a 0.02% 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	0.02% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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