31939 Downing Rd, Delmar, MD 21875 Property Records

Wicomico County property record for 31939 Downing Rd, Delmar, MD 21875

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,688 sqft · built 1975
Lot Size	0.542 acres (23,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Mar 2026)
Tax Bill	$1,859 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-061083`

Property Details

APN / Parcel Number

Primary APN	`05-061083`
Alternative APN	`061083`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,688 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	23,625 sqft (0.542 acres)
Lot Dimensions	225 ft deep x 105 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	272 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	061083
Street Address	31939 DOWNING RD
City	DELMAR
State	MD
Zip	21875-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Description	BL-C L-1 23,625 SQFT 31939 DOWNING ROAD PEMBROKE HILLS 2 PLAT
Legal Subdivision	PEMBROKE HILLS SECTION 2
Legal Block	C
Jurisdiction	WICOMICO MD
Township / Civil Division	5, PARSONS
Census Block Group	3
Census Block	3016
Census Tract	10603

Owner

Source: Wicomico County records, 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	2 Individual Names on Record
Mailing Address	31939 DOWNING RD, DELMAR, MD 21875-2215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed, Transfer · FHA Mortgage BAY CAPITAL MORTGAGE CORP
Jul 2, 2021	Deed of Trust, Mortgage · USDA Mortgage USDA
Jun 16, 2022	Deed of Trust, Mortgage · USDA Mortgage USDA
Oct 31, 2019	Grant Deed, Transfer EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on Record
Deed Sale	Mar 16, 2026 · Amount on Record
Prior Sale	May 22, 2025 · Amount on Record
Deed Book / Page	5685 / 260
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Mar 16, 2026
Property Address	31939 DOWNING RD, DELMAR, MD 21875-2215
Document Number	0056850260
Book / Page	5685 / 260
Instrument Date	Mar 12, 2026
Transaction Type	Transfer
Record Updated	Mar 26, 2026
Title Company	COMMUNITY TITLE NETWORK LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$787.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31939 DOWNING RD, DELMAR, MD 21875-2215

Mortgage

Document Number	0056850266
Date	Mar 16, 2026
Book Page	5685/266

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WICOMICO MD
Property Address	31939 DOWNING RD, DELMAR, MD 21875-2215
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	UNKNOWN, FAMS DTO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31939 DOWNING RD, DELMAR, MD 21875-2215

Mortgage

Document Number	0048930062
Date	Jul 2, 2021
Book Page	4893/62

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Nov 1, 2049

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WICOMICO MD
Property Address	31939 DOWNING RD, DELMAR, MD 21875-2215
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31939 DOWNING RD, DELMAR, MD 21875-2215

Mortgage

Document Number	0051140159
Date	Jun 16, 2022
Book Page	5114/159

Lender

Name	USDA
Type	Government Agency
Address	IRVING, TX 75063

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Nov 1, 2049

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WICOMICO MD
Recording Date	Oct 31, 2019
Property Address	31939 DOWNING RD, DELMAR, MD 21875-2215
Document Number	0045490032
Book / Page	004549 / 000032
Instrument Date	Oct 30, 2019
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$209.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31939 DOWNING RD DELMAR MD 218752215, DELMAR, MD 21875-2215

Mortgage

Document Number	45490040
Date	Oct 31, 2019
Book Page	004549/000040

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

Tax Assessment & Valuation

Source: Wicomico County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Wicomico County
Unified School District	Wicomico County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$216,433 (+9.92%)	$255,500 (+29.76%) Land $44,900 Building $210,600
2025	$1,859.00 (+13.63%)	$196,900 (+19.99%) Land $44,900 Building $152,000	$196,900 (-) Land $44,900 Building $152,000
2023	$1,636.00	$164,100	$196,900 Land $44,900 Building $152,000

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 April 28, 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	5 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	Moderate above 61% of the US · above 92% of Maryland
Wildfire Likelihood	0.2% 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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