40 Harmony Chapel Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 40 Harmony Chapel Rd, Conowingo, MD 21918

Property Summary

Property Type	Rural Home
Details	2 ba · 3,072 sqft · built 2008
Lot Size	7.47 acres (325,393 sqft)
Owner	2 Individual Names on Record
Last Sale	$10,000 (Jul 1980)
Tax Bill	$4,116 (2026)
Deeds & Mortgages	Aug 2019 Line of Credit Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-031750`

Property Details

APN / Parcel Number

Primary APN	`07-031750`
Alternative APNs	`7031750` `031750`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	3,072 sqft Total Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Roof Material	Metal
Lot Area	325,393 sqft (7.47 acres)
Deck Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	031750
Street Address	40 HARMONY CHAPEL RD
City	CONOWINGO
State	MD
Zip	21918-1814
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	NAR
Legal Description	7.4762 ACRES 40 HARMONY CHAPEL ROAD S/W OF LIBERTY GROVE
Legal Subdivision	LAND OF MCCASLIN
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1004
Census Tract	31201

Owner

Source: Cecil County records, as of September 21, 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	40 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Feb 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage EAST COAST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 1980 · Amount on Record
Deed Sale	Jul 31, 1980 · Amount on Record
Deed Book / Page	54 / 694
Last Transfer Date	Aug 26, 2015
Transfer Doc	0038260358
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	40 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1803
Transaction Type	Mortgage
Record Updated	Aug 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044490070
Date	Aug 20, 2019
Book Page	4449/070

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	40 HARMONY CHAPEL RD, CONOWINGO, MD 21918-1803
Document Number	0042090405
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 HARMONY CHAPEL RD CONOWINGO MD 219181814, CONOWINGO, MD 21918-1814

Mortgage

Document Number	0042090405
Date	Mar 1, 2018
Book Page	004209/000405

Lender

Name	EAST COAST CAP
Type	Funding / Finance Company
Address	MECHVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 29, 2048

Tax Assessment & Valuation

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

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	$4,116.00 (+5.76%)	$374,100 (+6.83%) Land $74,900 Building $299,200	$374,100 (-) Land $74,900 Building $299,200
2025	$3,892.00 (+44.26%)	$350,167 (+15.83%)	$374,100 (+23.75%) Land $74,900 Building $299,200
2023	$2,698.00	$302,300 Land $74,900 Building $227,400	$302,300 Land $74,900 Building $227,400

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 units insured incl. 24 condo units
Nearby Flood Claims	10 (1978–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims

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	0.01% 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	750 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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