32 Charles Ln, Warwick, MD 21912 Property Records

Cecil County property record for 32 Charles Ln, Warwick, MD 21912

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,594 sqft · built 1999
Lot Size	8.42 acres (366,775 sqft)
Owner	Individual Name on File
Last Sale	$675,000 (Dec 2023)
Tax Bill	$7,105 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-037718`

Property Details

APN / Parcel Number

Primary APN	`02-037718`
Alternative APNs	`2037718` `037718`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,594 sqft Total Area
Utility Area	408 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	366,775 sqft (8.42 acres)
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	276 sqft
Shed	1 Shed
Shed Area	3,000 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	037718
Street Address	32 CHARLES LN
City	WARWICK
State	MD
Zip	21912-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 19 - 8.421 ACRES 32 CHARLES LANE LAKE FOREST ESTATES
Legal Subdivision	CHARLES LANE LAKE FOREST ESTATES
Legal Lot Number	19
Jurisdiction	CECIL MD
Township / Civil Division	2, CHESAPEAKE CITY
Census Block Group	3
Census Block	3054
Census Tract	30200

Owner

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

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	32 CHARLES LN, WARWICK, MD 21912-1020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Apr 28, 2021	Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 20, 2023 · Amount on Record
Deed Sale	Dec 20, 2023 · Amount on Record
Prior Sale	Apr 28, 2021 · Amount on Record
Deed Book / Page	5408 / 426
Transfer Doc	0000247115
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	32 CHARLES LN, WARWICK, MD 21912-1020
Transaction Type	Mortgage
Record Updated	Feb 11, 2026
Title Company	ENDEAVOR TITLE LLC, ENDEAVOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 CHARLES LN, WARWICK, MD 21912-1020

Mortgage

Document Number	0057360404
Date	Feb 2, 2026
Book Page	5736/404

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 28, 2021
Property Address	32 CHARLES LN, WARWICK, MD 21912-1020
Document Number	0048610521
Book / Page	4861 / 521
Map Reference	CAB 295 FO 487-489
Instrument Date	Apr 7, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	32 CHARLES LN, WARWICK, MD 21912-1020

Mortgage

Document Number	0004861525
Date	Apr 28, 2021
Instrument	4861/525

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$691,333 (+26.55%)	$728,600 (+28.52%) Land $160,300 Building $568,300
2025	$7,105.00 (+39.51%) Homeowner's exemption
2023	$5,093.00	$546,300	$566,900 Land $110,400 Building $456,500

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 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	3 in force
Nearby Flood Claims	2 (2003–2024)
Most Recent Claim	Jan 2024 · river or lake flooding

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	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Electric Cooperative Fiber	2,500 / 2,500
Verizon Fixed Wireless	300 / 20

May also be available: RiverNet.

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