Cecil County property record for 432 Johnson Rd, Conowingo, MD 21918
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,734 sqft · built 2019 |
| Lot Size | 1.99 acres (86,684 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,442 (2026) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-019800 |
| Primary APN | 08-019800 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,734 sqft Total Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 86,684 sqft (1.99 acres) |
| Garage Type | Attached |
| Garage Area | 637 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 110 sqft |
| Shed | 1 Shed |
| Shed Area | 1,200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 019800 |
|---|---|
| Street Address | 432 JOHNSON RD |
| City | CONOWINGO |
| State | MD |
| Zip | 21918-1325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NAR |
| Legal Description | LOT 2 - 1.998 ACRE 432 JOHNSON ROAD N/E OF KILBYS CORNER |
| Legal Subdivision | FRANKLIN D RAGAN SR & JOANNE RAGAN |
| Legal Lot Number | 2 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 8, OAKWOOD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 31400 |
Source: Cecil County records, as of September 21, 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 | 432 JOHNSON RD, CONOWINGO, MD 21918-1325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU |
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CITADEL FCU |
| Mar 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITADEL FCU |
| May 23, 2019 | Loan Modification, Mortgage · Conventional Mortgage COLUMBIA BK |
| Oct 4, 2018 | Intrafamily Transfer, Transfer · ARM THE COLUMBIA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2005 |
| Deed Sale | Apr 14, 2005 |
| Deed Document Number | 2005267829 |
| Deed Book / Page | 1873 / 61 |
| Last Transfer Date | Sep 21, 2018 |
| Transfer Doc | 0043080231 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 432 JOHNSON RD, CONOWINGO, MD 21918-1325 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0057560148 |
|---|---|
| Date | Mar 23, 2026 |
| Book Page | 5756/148 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Feb 20, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 432 JOHNSON RD, CONOWINGO, MD 21918-1325 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0048180229 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 4818/229 |
| Name | CITADEL FCU |
|---|---|
| Type | Credit Union |
| Address | EXTON, PA 19341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 432 JOHNSON RD, CONOWINGO, MD 21918-1325 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051330348 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 5133/348 |
| Name | CITADEL FCU |
|---|---|
| Type | Credit Union |
| Address | EXTON, PA 19341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2042 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 432 JOHNSON RD, CONOWINGO, MD 21918-1325 |
| Document Number | 0044410025 |
| Instrument Date | May 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 432 JOHNSON RD CONOWINGO MD 219181325, CONOWINGO, MD 21918-1325 |
| Document Number | 0044410025 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | 004441/000025 |
| Name | COLUMBIA BK |
|---|---|
| Type | Bank |
| Address | VIRGINIA BEACH, VA 23462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Oct 4, 2018 |
| Property Address | 432 JOHNSON RD, CONOWINGO, MD 21918-1325 |
| Document Number | 0043080231 |
| Book / Page | 4308 / 231 |
| Map Reference | FO60 |
| Instrument Date | Sep 21, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | KIRSH TITLE SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 10 MILLERS PARK DR, CONOWINGO, MD 21918-1631 |
| Document Number | 0004308235 |
|---|---|
| Date | Oct 4, 2018 |
| Instrument | 4308/235 |
| Name | THE COLUMBIA BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 370 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Aug 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.62% |
| Index | 1-Year LIBOR |
| Max Rate | 9.62% |
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 | $4,442.00 (+2.92%) Homeowner's exemption | $411,367 (+3.1%) | $436,100 (+9.3%) Land $80,700 Building $355,400 |
| 2025 | $4,316.00 (+10.95%) Homeowner's exemption | $399,000 (+15.05%) Land $80,700 Building $318,300 | $399,000 (-) Land $80,700 Building $318,300 |
| 2023 | $3,890.00 | $346,800 | $399,000 Land $80,700 Building $318,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Cable | 750 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures