40 Frances Dr, Warwick, MD 21912 Property Records

Cecil County property record for 40 Frances Dr, Warwick, MD 21912

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,764 sqft · built 1995
Lot Size	4.44 acres (193,406 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Aug 2019)
Tax Bill	$3,769 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-037777`

Property Details

APN / Parcel Number

Primary APN	`02-037777`
Alternative APNs	`2037777` `037777`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,764 sqft Total Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	193,406 sqft (4.44 acres)
Porch	Slab
Porch Area	276 sqft
Stable	1,224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	037777
Street Address	40 FRANCES DR
City	WARWICK
State	MD
Zip	21912-1050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 26 - 4.449 ACRES 40 FRANCES DRIVE LAKE FOREST ESTATES
Legal Subdivision	FRANCES DRIVE LAKE FOREST ESTATES
Legal Lot Number	26
Jurisdiction	CECIL MD
Township / Civil Division	2, CHESAPEAKE CITY
Census Block Group	3
Census Block	3048
Census Tract	30200

Owner

Source: Cecil County records · APN 02-037777

Assessment roll updated August 12, 2025 · 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	40 FRANCES DR, WARWICK, MD 21912-1050
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 04, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 05, 2019	Grant Deed, Transfer · Conventional with PMI SUPREME LNDG
Nov 29, 2018	Grant Deed, Transfer · Conventional with PMI TIAA FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 05, 2019 · Amount on Record
Deed Sale	Aug 05, 2019 · Amount on Record
Prior Sale	Nov 29, 2018 · Amount on Record
Deed Book / Page	4440 / 271
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	40 FRANCES DR, WARWICK, MD 21912-1050
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051180094
Date	Mar 04, 2022
Book Page	5118/94

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 01, 2037

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Aug 05, 2019
Property Address	40 FRANCES DR, WARWICK, MD 21912-1050
Document Number	0044400271
Book / Page	004440 / 000271
Instrument Date	Jul 22, 2019
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 FRANCES DR WARWICK MD 219121050, WARWICK, MD 21912-1050

Mortgage

Document Number	44400282
Date	Aug 05, 2019
Book Page	004440/000282

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 04, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Nov 29, 2018
Property Address	40 FRANCES DR, WARWICK, MD 21912-1050
Document Number	0043300191
Book / Page	004330 / 000191
Instrument Date	Nov 06, 2018
Transaction Type	Transfer
Record Updated	Dec 12, 2018
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$309.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 FRANCES DR WARWICK MD 219121050, WARWICK, MD 21912-1050

Mortgage

Document Number	43300197
Date	Nov 29, 2018
Book Page	004330/000197

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2048

Tax Assessment & Valuation

Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Unified School District	Cecil 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		$353,567 (+11.69%)	$368,200 (+13.54%) Land $141,100 Building $227,100
2025	$3,769.00 (+31.97%)
2023	$2,856.00	$316,567	$324,300 Land $141,100 Building $183,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 67% of the US · above 68% of Maryland
Wildfire Likelihood	0.03% annual chance
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 as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 8 locations within half a mile of this property.

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