43 Main St, Warwick, MD 21912 Property Records

Cecil County property record for 43 Main St, Warwick, MD 21912

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,596 sqft · built 1973
Lot Size	0.748 acres (32,582 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,381 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-025473`

Property Details

APN / Parcel Number

Primary APN	`01-025473`
Alternative APNs	`1025473` `025473`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,596 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	32,582 sqft (0.748 acres)

Exterior Amenities

Porch	Porch
Porch Area	120 sqft
Deck Area	350 sqft
Shed	1 Shed
Shed Area	768 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	025473
Street Address	43 MAIN ST
City	WARWICK
State	MD
Zip	21912-1300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Description	.748 ACRE 43 MAIN STREET AT WARWICK
Jurisdiction	CECIL MD
Township / Civil Division	1, CECILTON
Census Block Group	2
Census Block	2013
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	43 MAIN ST, WARWICK, MD 21912-1300
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 22, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Aug 18, 2020	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Mar 31, 2021	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Oct 11, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LNDG INC
Aug 3, 2018	Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Aug 2, 2017	Deed in Lieu of Foreclosure, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023
Deed Sale	Oct 10, 2023
Prior Sale	Aug 3, 2018 · Amount on Record
Deed Book / Page	5385 / 238
Prior Transfer Date	Sep 27, 2023
Prior Transfer Doc	0053850238
Record Updated	Sep 20, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Oct 10, 2023
Property Address	43 MAIN ST, WARWICK, MD 21912-1300
Document Number	0053850238
Book / Page	5385 / 238
Instrument Date	Sep 27, 2023
Transaction Type	Transfer
Record Updated	Oct 25, 2023
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 MAIN ST, WARWICK, MD 21912-1300

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	43 MAIN ST, WARWICK, MD 21912-1300

Mortgage

Document Number	0053850244
Date	Oct 10, 2023
Instrument	5385-0244

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	43 MAIN ST, WARWICK, MD 21912-1300
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043640041
Date	Feb 22, 2019
Book Page	4364/041

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85260

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	43 MAIN ST, WARWICK, MD 21912-1300
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046600207
Date	Aug 18, 2020
Book Page	4660/207

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	43 MAIN ST, WARWICK, MD 21912-1300
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	ARMOUR SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048340379
Date	Mar 31, 2021
Book Page	4834/379

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	43 MAIN ST, WARWICK, MD 21912-1300
Document Number	0044930182
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 14, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	43 MAIN ST WARWICK MD 219121300, WARWICK, MD 21912-1300

Mortgage

Document Number	0044930182
Date	Nov 4, 2019
Book Page	004493/000182

Lender

Name	JFQ LNDG INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Nov 3, 2047

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 3, 2018
Property Address	43 MAIN ST, WARWICK, MD 21912-1300
Document Number	0042790486
Book / Page	4279 / 486
Instrument Date	Jul 20, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ACER TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 MAIN ST, WARWICK, MD 21912-1300

Mortgage

Document Number	0004279492
Date	Aug 3, 2018
Instrument	4279/492

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2048

August 2017: Deed in Lieu of Foreclosure, Transfer

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	CECIL MD
Recording Date	Aug 2, 2017
Property Address	43 MAIN ST, WARWICK, MD 21912-1300
Document Number	0041090039
Book / Page	004109 / 000039
Instrument Date	May 24, 2017
Transaction Type	Transfer
Record Updated	Dec 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$192.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

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		$228,400 (+7.69%)	$244,700 (-) Land $79,200 Building $165,500
2025	$2,381.00 (+60.44%)	$212,100 (+10.24%)	$244,700 (+24.97%) Land $79,200 Building $165,500
2023	$1,484.00	$192,400	$195,800 Land $79,200 Building $116,600

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	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 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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