Cecil County property record for 438 Conowingo Rd, Conowingo, MD 21918
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 1.5 ba · 1,922 sqft · built 1950 |
| Lot Size | 0.43 acres (18,750 sqft) |
| Owner | Company Name on Record |
| Last Sale | $750,000 (Jan 2026) |
| Tax Bill | $4,058 (2026) |
| Deeds & Mortgages | Jan 2026 Sale Sep 2022 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-002649 |
| Primary APN | 08-002649 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,922 sqft Total Area |
| Basement Area | 256 sqft |
| Finished Basement | 256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Block |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 18,750 sqft (0.43 acres) |
| Patio Area | 120 sqft |
|---|---|
| Shed | 1 Shed |
| Shed Area | 3,840 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Baseboard |
|---|
| Account Number | 002649 |
|---|---|
| Street Address | 438 CONOWINGO RD |
| City | CONOWINGO |
| State | MD |
| Zip | 21918-1316 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | BG |
| Legal Description | .43 ACRE 438 CONOWINGO ROAD AT KILBYS CORNER |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 8, OAKWOOD |
| Census Block Group | 1 |
| Census Block | 1023 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 73, COLORA, MD 21917-0073 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jan 29, 2026 | Deed, Transfer PENN CHARTER ABSTRACT, PENN CHARTER ABSTRACT INC |
| Sep 21, 2022 | Deed, Transfer · Line of Credit LINKBANK |
| Oct 18, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Nov 2, 2017 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2026 · Amount on Record |
| Deed Sale | Jan 29, 2026 · Amount on Record |
| Prior Sale | Sep 21, 2022 · Amount on Record |
| Deed Book / Page | 5735 / 69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jan 29, 2026 |
| Property Address | 438 CONOWINGO RD, CONOWINGO, MD 21918-1316 |
| Document Number | 0057350069 |
| Book / Page | 5735 / 69 |
| Instrument Date | Nov 2, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | PENN CHARTER ABSTRACT, PENN CHARTER ABSTRACT INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 922 FIRETOWER RD, COLORA, MD 21917-1544 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Sep 21, 2022 |
| Property Address | 438 CONOWINGO RD, CONOWINGO, MD 21918-1316 |
| Document Number | 0052350443 |
| Book / Page | 5235 / 443 |
| Instrument Date | Sep 14, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2022 |
| Title Company | KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0005235449 |
|---|---|
| Date | Sep 21, 2022 |
| Instrument | 5235-449 |
| Name | LINKBANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 438 CONOWINGO RD, CONOWINGO, MD 21918-1316 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041470322 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 4147/322 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | BEL AIR, MD 21015 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 263 Months |
| Due | Sep 25, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 438 CONOWINGO RD, CONOWINGO, MD 21918-1316 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041550175 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | 4155/175 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | BEL AIR, MD 21015 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,058.00 (-0.15%) | $368,733 (+0.77%) | $374,400 (+2.32%) Land $140,600 Building $233,800 |
| 2025 | $4,064.00 (+22.78%) | $365,900 (+24.3%) Land $140,600 Building $225,300 | $365,900 (-) Land $140,600 Building $225,300 |
| 2023 | $3,310.00 | $294,367 | $365,900 Land $140,600 Building $225,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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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