Cecil County property record for 3 Bluffs Dr, Conowingo, MD 21918
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 950 sqft · built 1991 |
| Lot Size | 0.944 acres (41,120 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $2,211 (2026) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-039727 |
| Primary APN | 07-039727 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 950 sqft Total Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 41,120 sqft (0.944 acres) |
| Deck Area | 95 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 039727 |
|---|---|
| Street Address | 3 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 12 - .944 ACRE 3 BLUFF DRIVE THE BLUFFS |
| Legal Subdivision | BLUFFS SEC 03 |
| Legal Lot Number | 12 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 7, PORT DEPOSIT |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 31201 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 3 BLUFFS DR, CONOWINGO, MD 21918-1714 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Estate |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2008 |
| Deed Sale | Oct 31, 2008 |
| Prior Sale | Jun 2, 1998 |
| Deed Document Number | 2008278871 |
| Deed Book / Page | 2560 / 518 |
| Prior Transfer Date | Oct 23, 2008 |
| Prior Transfer Doc | 0025600518 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 3 BLUFFS DR, CONOWINGO, MD 21918-1714 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | GUARANTEED TRUST TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0041740366 |
|---|---|
| Date | Dec 12, 2017 |
| Book Page | 4174/366 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 15, 2032 |
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,211.00 (+3.13%) Homeowner's exemption | $208,400 (+5.57%) Land $70,500 Building $137,900 | $208,400 (-) Land $70,500 Building $137,900 |
| 2025 | $2,144.00 (+65.3%) Homeowner's exemption | $197,400 (+12.54%) | $208,400 (+18.81%) Land $70,500 Building $137,900 |
| 2023 | $1,297.00 Homeowner's exemption | $175,400 Land $70,500 Building $104,900 | $175,400 Land $70,500 Building $104,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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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