40 Rumsey Rd, Warwick, MD 21912 Property Records

Cecil County property record for 40 Rumsey Rd, Warwick, MD 21912

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,944 sqft · built 2008
Lot Size	0.614 acres (26,754 sqft)
Owner	2 Individual Names on Record
Last Sale	$103,900 (Oct 2013)
Tax Bill	$1,522 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-026445`

Property Details

APN / Parcel Number

Primary APN	`01-026445`
Alternative APNs	`1026445` `026445`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,944 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,754 sqft (0.614 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	026445
Street Address	40 RUMSEY RD
City	WARWICK
State	MD
Zip	21912-1128
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Description	.6141 ACRE 40 RUMSEY ROAD AT WARWICK
Jurisdiction	CECIL MD
Township / Civil Division	1, CECILTON
Census Block Group	2
Census Block	2002
Census Tract	30100

Owner

Source: Cecil County records, as of August 18, 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 RUMSEY RD, WARWICK, MD 21912-1128
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2018	Deed of Trust, Mortgage · FHA Mortgage FINANCIAL FREEDOM MORTGAGE LLC
Jun 3, 2019	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2013 · Amount on Record
Deed Sale	Oct 16, 2013 · Amount on Record
Prior Sale	Oct 10, 2012 · Amount on Record
Deed Book / Page	3488 / 323
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	40 RUMSEY RD, WARWICK, MD 21912-1128
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042920484
Date	Sep 4, 2018
Book Page	4292/484

Lender

Name	FINANCIAL FREEDOM MORTGAGE LLC
Type	Mortgage Company
Address	MARLTON, NJ 08053

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	40 RUMSEY RD, WARWICK, MD 21912-1128
Document Number	0044300177
Instrument Date	Jun 3, 2019
Transaction Type	Mortgage
Record Updated	Jul 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 RUMSEY RD WARWICK MD 219121128, WARWICK, MD 21912-1128

Mortgage

Document Number	0044300177
Date	Jul 12, 2019
Book Page	004430/000177

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

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		$180,300 (+46.11%)	$206,600 (+61.79%) Land $46,400 Building $160,200
2025	$1,522.00 (+110.8%) Homeowner's exemption
2023	$722.00 Homeowner's exemption	$123,400	$127,700 Land $46,400 Building $81,300

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	3 in force

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

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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