302 Mill St, Henderson, MD 21640 Property Records

Caroline County property record for 302 Mill St, Henderson, MD 21640

Property Summary

Property Type	Mobile Home
Details	1 ba · 934 sqft · built 1987
Lot Size	0.337 acres (14,664 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Feb 2024)
Tax Bill	$1,066 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Dec 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-009672`

Property Details

APN / Parcel Number

Primary APN	`01-009672`
Alternative APNs	`1009672` `009672`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	934 sqft Total Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Mobile Home
Exterior Material	Siding
Roof Material	Metal
Lot Area	14,664 sqft (0.337 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	009672
Street Address	302 MILL ST
City	HENDERSON
State	MD
Zip	21640-1672
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 14,664 SQ FT S/S BEE TREE RD HENDERSON
Jurisdiction	CAROLINE MD
Township / Civil Division	1, HENDERSON
Census Block Group	2
Census Block	2003
Census Tract	955000

Owner

Source: Caroline County assessment roll, as of August 18, 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 File
Mailing Address	317 BEE TREE RD, HENDERSON, MD 21640-1605
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed, Transfer · Stand-Alone First Mortgage WAYNE J RACZ
Dec 22, 2023	Gift Deed, Transfer
Dec 26, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 28, 2024 · Amount on Record
Deed Sale	Feb 28, 2024 · Amount on Record
Prior Sale	Sep 21, 2001 · Amount on Record
Deed Book / Page	1664 / 450
Prior Transfer Date	Dec 5, 2023
Prior Transfer Doc	0016570045
Record Updated	Sep 20, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Feb 28, 2024
Property Address	302 MILL ST, HENDERSON, MD 21640-1672
Document Number	0016640450
Book / Page	1664 / 450
Instrument Date	Jan 18, 2024
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	317 BEE TREE RD, HENDERSON, MD 21640-1605

Mortgage

Document Number	0016640454
Date	Feb 28, 2024
Book Page	1664/454

Lender

Name	WAYNE J RACZ
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jan 15, 2025

December 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 22, 2023
Property Address	302 MILL ST, HENDERSON, MD 21640-1672
Document Number	0016570045
Book / Page	1657 / 45
Instrument Date	Dec 5, 2023
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16755 MELVILLE RD, HENDERSON, MD 21640-1670

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAROLINE MD
Recording Date	Dec 26, 2017
Property Address	302 MILL ST, HENDERSON, MD 21640-1672
Document Number	0012900275
Book / Page	001290 / 000275
Instrument Date	Nov 9, 2017
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16579 MELVILLE RD HENDERSON MD 216401620, HENDERSON, MD 21640-1620

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,633 (+2.6%)	$71,400 (-) Land $55,300 Building $16,100
2025	$1,066.00 (+3.7%)	$67,867 (+3.72%)	$71,400 (+8.02%) Land $55,300 Building $16,100
2023	$1,028.00	$65,433	$66,100 Land $50,800 Building $15,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · 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 7 (15% premium discount)
Nearby Flood Policies	2 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

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 at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF HENDERSON private · serves 156 people · EPA ID MD0050008
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2019–2021) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Choptank Electric Cooperative.

Cell Coverage

5G (outdoors only) and 4G LTE

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