3904 Conowingo Rd, Darlington, MD 21034 Property Records

Harford County property record for 3904 Conowingo Rd, Darlington, MD 21034

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,362 sqft · built 1995
Lot Size	2.92 acres (127,195 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Oct 2017)
Tax Bill	$5,490 (2026)
Deeds & Mortgages	Feb 2024 Second Mortgage Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-056055`

Property Details

APN / Parcel Number

Primary APN	`05-056055`
Alternative APNs	`5056055` `056055`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,362 sqft Total Area
Basement Area	825 sqft
Finished Basement	825 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	127,195 sqft (2.92 acres)
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	056055
Street Address	3904 CONOWINGO RD
City	DARLINGTON
State	MD
Zip	21034-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LT 2 2.92 AC 3904 CONOWINGO ROAD LDS E WHITLOCK PT 84/5
Legal Subdivision	WHITLOCK E
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	2
Census Block	2018
Census Tract	305200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lower Deer Creek Valley Historic District listed 1993 · 275 contributing resources · NRIS 93001143

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3904 Conowingo Rd is owned and occupied by two individuals who bought it in October 2017.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3904 CONOWINGO RD, DARLINGTON, MD 21034-1331
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
Feb 29, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW FED MORTGAGE CORP
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
Jul 6, 2020	Deed of Trust, Mortgage · FHA Mortgage FIRST COMMUNITY MORTGAGE INC
Oct 23, 2017	Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2017 · Amount on File
Deed Sale	Oct 23, 2017 · Amount on File
Deed Document Number	201712565-0255
Deed Book / Page	12565 / 255
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3904 CONOWINGO RD, DARLINGTON, MD 21034-1331
Transaction Type	Mortgage
Record Updated	Mar 13, 2024
Title Company	OLD REPUBLIC TITLE, ORT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0161880387
Date	Feb 29, 2024
Book Page	16188/387

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2039

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3904 CONOWINGO RD, DARLINGTON, MD 21034-1331
Transaction Type	Mortgage
Record Updated	Nov 11, 2021
Title Company	CMR CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151450060
Date	Oct 29, 2021
Book Page	15145/60

Lender

Name	NEW FED MORTGAGE CORP
Type	Mortgage Company
Address	DANVERS, MA 01923

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3904 CONOWINGO RD, DARLINGTON, MD 21034-1331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0143090346
Date	Dec 4, 2020
Book Page	14309/346

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2040

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3904 CONOWINGO RD, DARLINGTON, MD 21034-1331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	XPRESS TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139580291
Date	Jul 6, 2020
Book Page	13958/291

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company
Address	MURFREESBORO, TN 37129

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Mar 1, 2050

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 23, 2017
Property Address	3904 CONOWINGO RD, DARLINGTON, MD 21034-1331
Document Number	0125650255
Book / Page	12565 / 0255
Map Reference	MB CGH84 FO5
Instrument Date	Sep 15, 2017
Instrument	12565-0255
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	RESIDENTIAL TITLE& ESCRO CP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3904 CONDWINGO RD, DARLINGTON, MD 21034-1331

Mortgage

Document Number	125650260
Date	Oct 23, 2017
Instrument	12565-0260

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3904 Conowingo Rd was $5,490, up 16.1% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,490.00 (+16.07%)	$498,300	$533,200 Land $129,600 Building $403,600
2025	$4,730.00
2023		$415,367	$428,500 Land $119,600 Building $308,900
2022	$4,333.00

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

Flood

FEMA maps place 3904 Conowingo Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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	4 in force
Nearby Flood Claims	2 (2018)
Most Recent Claim	Aug 2018 · 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

Wildfire risk around 3904 Conowingo Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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