428 Colora Rd, Colora, MD 21917 Property Records

Cecil County property record for 428 Colora Rd, Colora, MD 21917

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,158 sqft · built 1850
Lot Size	0.839 acres (36,546 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Sep 2025)
Tax Bill	$1,839 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-012876`

Property Details

APN / Parcel Number

Primary APN	`06-012876`
Alternative APNs	`6012876` `012876`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,158 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	36,546 sqft (0.839 acres)
Porch	Slab
Porch Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	012876
Street Address	428 COLORA RD
City	COLORA
State	MD
Zip	21917-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAR
Legal Description	.839 ACRE 428 COLORA ROAD E OF RICHARDSMERE
Jurisdiction	CECIL MD
Township / Civil Division	6, RISING SUN
Census Block Group	2
Census Block	2019
Census Tract	31302

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	Individual Name on Record
Mailing Address	428 COLORA RD, COLORA, MD 21917-1126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed, Transfer · FHA Mortgage EMM LOANS LLC
Jul 25, 2018	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	Aug 31, 1989 · Amount on Record
Record Updated	Sep 20, 2026

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Sep 17, 2025
Property Address	428 COLORA RD, COLORA, MD 21917-1126
Document Number	0056720146
Book / Page	5672 / 146
Instrument Date	Sep 8, 2025
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	EQUITABLE TITLE, EQUITABLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	428 COLORA RD, COLORA, MD 21917-1126

Mortgage

Document Number	0005672152
Date	Sep 17, 2025
Instrument	5672/152

Lender

Name	EMM LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	428 COLORA RD, COLORA, MD 21917-1126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042760058
Date	Jul 25, 2018
Book Page	4276/058

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	428 COLORA RD, COLORA, MD 21917-1126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044850295
Date	Oct 18, 2019
Book Page	4485/295

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 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		$176,133 (+8.32%)	$203,200 (+24.97%) Land $74,200 Building $129,000
2025	$1,839.00 (+87.08%)	$162,600 (+10.61%) Land $74,200 Building $88,400	$162,600 (-) Land $74,200 Building $88,400
2023	$983.00	$147,000	$162,600 Land $74,200 Building $88,400

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
Nearby Flood Claims	2 (1999)
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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