305 Mill St, Henderson, MD 21640 Property Records

Caroline County property record for 305 Mill St, Henderson, MD 21640 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,058 sqft · built 1900
Lot Size	0.214 acres (9,306 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Oct 2021)
Tax Bill	$1,641 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-010921`

Property Details

APN / Parcel Number

Primary APN	`01-010921`
Alternative APNs	`1010921` `010921`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,058 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,306 sqft (0.214 acres)
Lot Dimensions	97 ft deep x 84 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Heating System	Space Heater
Sewer	Connected

Location & Zoning

Account Number	010921
Street Address	305 MILL ST
City	HENDERSON
State	MD
Zip	21640-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9,306 SF PARCEL 1 E/S MILL ST HENDERSON
Legal Lot Number	1
Jurisdiction	CAROLINE MD
Township / Civil Division	1, HENDERSON
Census Block Group	2
Census Block	2003
Census Tract	955000

Owner

Source: Caroline County records · APN 01-010921

Assessment roll updated August 18, 2026 · Last verified August 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	305 MILL ST, HENDERSON, MD 21640-1607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 05, 2021 · Amount on Record
Deed Sale	Oct 05, 2021 · Amount on Record
Prior Sale	Oct 25, 2006 · Amount on Record
Deed Book / Page	1527 / 185
Record Updated	Sep 20, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Oct 05, 2021
Property Address	305 MILL ST, HENDERSON, MD 21640-1607
Document Number	0015270185
Book / Page	1527 / 185
Instrument Date	Aug 13, 2021
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	305 MILL ST, HENDERSON, MD 21640-1607

Mortgage

Document Number	0001527194
Date	Oct 05, 2021
Instrument	1527/194

Lender

Name	FIRST NATIONAL BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Aug 15, 2031

Tax Assessment & Valuation

Source: Caroline County records · Assessment roll updated August 18, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$110,467 (+18.02%)	$116,500 (+18.39%) Land $41,800 Building $74,700
2025	$1,641.00 (+11.56%)
2023	$1,471.00	$93,600	$98,400 Land $38,800 Building $59,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Caroline County (24011C), updated October 15, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240119550002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 147 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

May also be available at this address: Choptank Electric Cooperative. Availability varies by address; speeds are provider-advertised maximums, not measured.