28 Bluffs Dr, Conowingo, MD 21918 Property Records

Cecil County property record for 28 Bluffs Dr, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,212 sqft · built 1992
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Last Sale	$336,900 (Apr 2020)
Tax Bill	$60 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-039794`

Property Details

APN / Parcel Number

Primary APN	`07-039794`
Alternative APNs	`7039794` `039794`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,212 sqft Total Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	50,094 sqft (1.15 acres)
Garage Type	Built-in
Garage Area	900 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Deck Area	306 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	039794
Street Address	28 BLUFFS DR
City	CONOWINGO
State	MD
Zip	21918-1714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 18 - 1.153 ACRE 28 BLUFF DRIVE THE BLUFFS
Legal Subdivision	SECTION 3 LOTS 12-21 THE BLUFFS
Legal Lot Number	18
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	28 BLUFFS DR, CONOWINGO, MD 21918-1714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 6, 2020	Deed, Transfer · Conventional Mortgage DIRECT MORTGAGE LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2020 · Amount on Record
Deed Sale	Apr 6, 2020 · Amount on Record
Prior Sale	Oct 10, 2008 · Amount on Record
Deed Book / Page	4578 / 352
Prior Transfer Date	Jul 7, 2011
Prior Transfer Doc	0030630391
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	28 BLUFFS DR, CONOWINGO, MD 21918-1714
Transaction Type	Mortgage
Record Updated	Jun 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 BLUFFS DR, CONOWINGO, MD 21918-1714

Mortgage

Document Number	0051810105
Date	Jun 9, 2022
Book Page	5181/105

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount Recorded

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 6, 2020
Property Address	28 BLUFFS DR, CONOWINGO, MD 21918-1714
Document Number	0045780352
Book / Page	4578 / 352
Map Reference	CAB 147 FO 219
Instrument Date	Mar 27, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	IN HOUSE TITLE CO

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 BLUFFS DR, CONOWINGO, MD 21918-1714

Mortgage

Document Number	0004578358
Date	Apr 6, 2020
Instrument	4578/358

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

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	$60.00 (-98.56%)	$401,500 (+7.01%) Land $73,200 Building $328,300	$401,500 (-) Land $73,200 Building $328,300
2025	$4,166.00 (+42.57%)	$375,200 (+16.31%)	$401,500 (+24.46%) Land $73,200 Building $328,300
2023	$2,922.00	$322,600 Land $73,200 Building $249,400	$322,600 Land $73,200 Building $249,400

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
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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	750 / 20
Starlink Satellite	280 / 30

May also be available: Verizon.

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