31 Clemency Dr, North East, MD 21901 Property Records

Cecil County property record for 31 Clemency Dr, North East, MD 21901

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,080 sqft · built 2005
Lot Size	0.53 acres (23,086 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Sep 2015)
Tax Bill	$5,376 (2026)
Deeds & Mortgages	Jan 2019 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-123968`

Property Details

APN / Parcel Number

Primary APN	`05-123968`
Alternative APN	`123968`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,080 sqft Total Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	23,086 sqft (0.53 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	36 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	123968
Street Address	31 CLEMENCY DR
City	NORTH EAST
State	MD
Zip	21901-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 64 - .53 ACRE 31 CLEMENCY DRIVE TRINITY WOODS
Legal Subdivision	TRINITY WOODS
Legal Lot Number	64
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	1
Census Block	1035
Census Tract	30907

Owner

31 Clemency Dr is owned and occupied by two individuals who bought it in September 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 CLEMENCY DR, NORTH EAST, MD 21901-3205
Occupancy	Owner Occupied
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
Jan 7, 2019	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2015 · Amount on File
Deed Sale	Sep 3, 2015 · Amount on File
Prior Sale	Jun 12, 2015
Deed Book / Page	3776 / 265
Prior Transfer Date	Mar 25, 2015
Prior Transfer Doc	0037370346
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	31 CLEMENCY DR, NORTH EAST, MD 21901-3205
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043460258
Date	Jan 7, 2019
Book Page	4346/258

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 15, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	31 CLEMENCY DR, NORTH EAST, MD 21901-3205
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048340029
Date	Mar 31, 2021
Book Page	4834/29

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 31 Clemency Dr was $5,376 with a homeowner's exemption, up 4.1% from the year before.

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,376.00 (+4.15%) Homeowner's exemption	$403,300 Land $90,700 Building $312,600	$403,300 Land $90,700 Building $312,600
2025	$5,162.00 Homeowner's exemption
2023	$4,010.00 Homeowner's exemption	$328,100 Land $90,700 Building $237,400	$328,100 Land $90,700 Building $237,400

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

Flood

FEMA maps place 31 Clemency Dr 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
Nearby Flood Policies	1 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 31 Clemency Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Water System	TOWN OF CHARLESTOWN serves 3,791 people · EPA ID MD0070029
Water Source	Groundwater
Last State Inspection	May 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	2 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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