40 Ratledge Ln, Conowingo, MD 21918 Property Records

Cecil County property record for 40 Ratledge Ln, Conowingo, MD 21918 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,496 sqft · built 1989
Lot Size	1.93 acres (84,071 sqft)
Owner	2 Individual Names on File
Last Sale	$500 (Nov 1983)
Tax Bill	$2,383 (2025)
Deeds & Mortgages	Apr 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-032439`

Property Details

APN / Parcel Number

Primary APN	`07-032439`
Alternative APNs	`7032439` `032439`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,496 sqft Total Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	84,071 sqft (1.93 acres)

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Deck Area	56 sqft
Shed	1 Shed
Shed Area	592 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	032439
Street Address	40 RATLEDGE LN
City	CONOWINGO
State	MD
Zip	21918-1733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 - 1.939 ACRE SUSQUEHANNA RIVER ROAD W OF ROWLANDSVILLE
Legal Lot Number	1
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1006
Census Tract	31201

Owner

Source: Cecil County records · APN 07-032439

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	2 Individual Names on File
Mailing Address	40 RATLEDGE LN, CONOWINGO, MD 21918-1733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 18, 1983 · Amount on Record
Deed Sale	Nov 18, 1983 · Amount on Record
Deed Book / Page	110 / 787
Last Transfer Date	Apr 06, 2022
Transfer Doc	0051460136
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Apr 13, 2022
Property Address	40 RATLEDGE LN, CONOWINGO, MD 21918-1733
Document Number	0051460136
Book / Page	5146 / 136
Map Reference	LB 420 FO 434
Instrument Date	Apr 06, 2022
Transaction Type	Transfer
Record Updated	Apr 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	40 RATLEDGE LN, CONOWINGO, MD 21918-1733

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		$242,600 (+6.29%) Land $62,500 Building $180,100	$242,600 (-) Land $62,500 Building $180,100
2025	$2,383.00 (+57.4%) Homeowner's exemption	$228,233 (+14.4%)	$242,600 (+21.6%) Land $62,500 Building $180,100
2023	$1,514.00 Homeowner's exemption	$199,500 Land $62,500 Building $137,000	$199,500 Land $62,500 Building $137,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240150312011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	33 units insured 24 under condo master policies
Nearby Flood Claims	10 (1978–2012)
Most Recent Claim	Oct 2012, other causes, Hurricane Sandy
Claims By Storm	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 37 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Armstrong Holdings	Cable	750 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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