43 Frances Dr, Warwick, MD 21912 Property Records

Cecil County property record for 43 Frances Dr, Warwick, MD 21912

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,558 sqft · built 1993
Lot Size	4.87 acres (212,137 sqft)
Owner	2 Individual Names on Record
Last Sale	$452,500 (Sep 2026)
Tax Bill	$3,588 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2026 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`02-037742`

Property Details

APN / Parcel Number

Primary APN	`02-037742`
Alternative APNs	`2037742` `037742`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,558 sqft Total Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	212,137 sqft (4.87 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	52 sqft
Deck Area	252 sqft
Stable	720 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	037742
Street Address	43 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 23 - 4.872 ACRES 43 FRANCES DRIVE LAKE FOREST ESTATES
Legal Subdivision	FRANCES DRIVE LAKE FOREST ESTATES
Legal Lot Number	23
Jurisdiction	CECIL MD
Township / Civil Division	2, CHESAPEAKE CITY
Census Block Group	3
Census Block	3048
Census Tract	30200

Owner

Source: Cecil County records, as of October 19, 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	1322 CARRICK CT, MIDDLETOWN, DE 19709-9967
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Special Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES
Jan 2, 2026	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on Record
Deed Sale	Sep 28, 2026 · Amount on Record
Prior Sale	Jan 2, 2026 · Amount on Record
Deed Document Number	2026
Deed Book / Page	5853 / 126
Prior Transfer Date	Dec 22, 2025
Prior Transfer Doc	5722000110
Record Updated	Oct 29, 2026

September 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CECIL MD
Recording Date	Sep 28, 2026
Property Address	43 FRANCES DR, WARWICK, MD 21912-1050
Document Number	5853000126
Book / Page	5853 / 126
Instrument Date	Aug 26, 2026
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	LEGACYHOUSE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$457,025.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 CARRICK CT, MIDDLETOWN, DE 19709-9967

Mortgage

Document Number	5853000134,
Date	Sep 28, 2026
Book Page	5853/134

Lender

Name	MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CECIL MD
Recording Date	Jan 2, 2026
Property Address	43 FRANCES DR, WARWICK, MD 21912-1050
Document Number	0057220110
Book / Page	5722 / 110
Instrument Date	Dec 22, 2025
Transaction Type	Foreclosure
Record Updated	Jan 14, 2026

Transaction

Amount	Amount Recorded
Tax	$1,536.35
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3900 CAPITAL CITY BLVD, LANSING, MI 48906-2147

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	$3,588.00 (+4.3%) Homeowner's exemption	$325,400 (+4.76%)	$340,200 (-) Land $145,400 Building $194,800
2025	$3,440.00 (+34.59%) Homeowner's exemption	$310,600 (+7.33%)	$340,200 (+15.01%) Land $145,400 Building $194,800
2023	$2,556.00 Homeowner's exemption	$289,400	$295,800 Land $145,400 Building $150,400

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 Policies	3 in force
Nearby Flood Claims	2 (2003–2024)
Most Recent Claim	Jan 2024 · river or lake flooding

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

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

May also be available: RiverNet.

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