Cecil County property record for 431 Conowingo Rd, Conowingo, MD 21918
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,256 sqft · built 1949 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $88,000 (Feb 2017) |
| Tax Bill | $1,843 (2026) |
| Deeds & Mortgages | Feb 2018 Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-004064 |
| Primary APN | 08-004064 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,256 sqft Total Area |
| Basement Area | 112 sqft |
| Unfinished Basement | 112 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,000 sqft (0.459 acres) |
| Porch | Porch |
| Porch Area | 111 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 004064 |
|---|---|
| Street Address | 431 CONOWINGO RD |
| City | CONOWINGO |
| State | MD |
| Zip | 21918-1315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | .4592 ACRE 431 CONOWINGO ROAD AT KILBYS CORNER |
| Legal Subdivision | THE LANDS OF DEAN W LEWIS |
| Legal Lot Number | 2 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 8, OAKWOOD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 31400 |
431 Conowingo Rd is owned and occupied by two individuals who bought it in February 2017.
Source: Cecil County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 CONOWINGO RD, CONOWINGO, MD 21918-1315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 23, 2018 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Feb 27, 2017 | Grant Deed, Transfer INTERCONTINENTAL CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2017 · Amount on File |
| Deed Sale | Feb 27, 2017 · Amount on File |
| Prior Sale | Apr 20, 2016 · Amount on File |
| Deed Book / Page | 4030 / 56 |
| Prior Transfer Date | Nov 10, 2015 |
| Prior Transfer Doc | 0038740132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 431 CONOWINGO RD, CONOWINGO, MD 21918-1315 |
| Document Number | 0042140135 |
| Instrument Date | Feb 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 431 CONOWINGO RD CONOWINGO MD 219181315, CONOWINGO, MD 21918-1315 |
| Document Number | 0042140135 |
|---|---|
| Date | Mar 13, 2018 |
| Book Page | 004214/000135 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 12, 2043 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Feb 27, 2017 |
| Property Address | 431 CONOWINGO RD, CONOWINGO, MD 21918-1315 |
| Document Number | 0040300056 |
| Book / Page | 004030 / 000056 |
| Instrument Date | Dec 5, 2016 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2017 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $88.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 31 CONOWINO RD CONOWINGO MD 21918, CONOWINGO, MD 21918 |
| Document Number | 40300064 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | 004030/000064 |
| Name | INTERCONTINENTAL CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | JERICHO, NY 11753 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 26, 2047 |
The 2026 property tax bill for 431 Conowingo Rd was $1,843 with a homeowner's exemption, up 0.9% from the year before.
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,843.00 (+0.93%) Homeowner's exemption | $164,467 (+0.53%) | $166,200 (+1.59%) Land $60,000 Building $106,200 |
| 2025 | $1,826.00 Homeowner's exemption | $163,600 Land $60,000 Building $103,600 | $163,600 Land $60,000 Building $103,600 |
| 2023 | $1,007.00 Homeowner's exemption | $150,067 | $163,600 Land $60,000 Building $103,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 Conowingo Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 | 1 in force |
| Nearby Flood Claims | 2 (1978) |
| Most Recent Claim | Jan 1978 · tidal / storm surge |
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 risk around 431 Conowingo Rd is low, with a 0.01% annual chance of 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 | 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.
Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Cable | 750 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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