Cecil County property record for 45 Christopher Ln, Warwick, MD 21912 · Last verified August 2026
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 2004 |
| Square Footage | 4,141 sqft Total Area |
| Lot Size | 261,360 sqft (6 acres) |
| Garage | Built-in, 759 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $600,000 (2018) |
| Tax Bill | $7,196.00 (2025) |
| Primary APN | 01-061542 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 4,141 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Stucco Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 261,360 sqft (6 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Built-in Garage |
| Garage Area | 759 sqft Garage |
| Pool Area | 680 sqft Pool |
|---|---|
| Shed | 1 Shed |
| Shed Area | 400 sqft Shed |
| Deck Area | 306 sqft Deck |
| Porch Area | 150 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Sewage | Sewage Connected |
| Account Number | 061542 |
|---|---|
| Street Address | 45 CHRISTOPHER LN |
| City | WARWICK |
| State | MD |
| Zip | 21912-1320 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Description | LOT 18A - 6 ACRES 45 CHRISTOPHER LANE BUDDS LANDING |
| Legal Subdivision | BUDDS LANDING |
| Legal Lot Number | 18A |
| Jurisdiction | CECIL MD |
| Minor Civil Division | 1, CECILTON |
| Census Blockgroup | 2 |
| Census Block | 2035 |
| Census Tract | 30100 |
Source: Cecil County records · APN 01-061542
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 45 CHRISTOPHER LN, WARWICK, MD 21912-1320 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 01, 2022 | Deed of Trust, Mortgage · Closed End Mortgage US BANK NA |
| May 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Apr 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB |
| Oct 09, 2018 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) TIAA FSB |
| Oct 15, 2018 | Grant Deed, Transfer TIAA FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 15, 2018 · Amount on Record |
| Deed Sale | Oct 15, 2018 · Amount on Record |
| Prior Sale | Apr 28, 2000 · Amount on Record |
| Deed Book / Page | 4312 / 42 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 45 CHRISTOPHER LN, WARWICK, MD 21912-1320 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 45 CHRISTOPHER LN, WARWICK, MD 21912-1320 |
| Document Number | 0051750304 |
|---|---|
| Date | Jun 01, 2022 |
| Book Page | 5175/304 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Closed End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Jan 20, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 45 CHRISTOPHER LN, WARWICK, MD 21912-1320 |
| Document Number | 0046410466 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 45 CHRISTOPHER LN WARWICK MD 219121320, WARWICK, MD 21912-1320 |
| Document Number | 0046410466 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | 004641/000466 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 20, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 45 CHRISTOPHER LN, WARWICK, MD 21912-1320 |
| Document Number | 0044020170 |
| Instrument Date | Apr 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 03, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 45 CHRISTOPHER LN WARWICK MD 219121320, WARWICK, MD 21912-1320 |
| Document Number | 0044020170 |
|---|---|
| Date | May 21, 2019 |
| Book Page | 004402/000170 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 45 CHRISTOPHER LN, WARWICK, MD 21912-1320 |
| Document Number | 0043550099 |
| Instrument Date | Oct 09, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2019 |
| Title Company | ARDENT TITLE COMPANY LLC, ARDENT TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Address | 45 CHRISTOPHER LN WARWICK MD 219121320, WARWICK, MD 21912-1320 |
| Document Number | 0043550099 |
|---|---|
| Date | Jan 28, 2019 |
| Book Page | 004355/000099 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Oct 15, 2018 |
| Property Address | 45 CHRISTOPHER LN, WARWICK, MD 21912-1320 |
| Document Number | 0043120042 |
| Book / Page | 004312 / 000042 |
| Instrument Date | Oct 09, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2018 |
| Title Company | ARDENT TITLE COMPANY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 45 CHRISTOPHER LN WARWICK MD 219121320, WARWICK, MD 21912-1320 |
| Document Number | 43120050 |
|---|---|
| Date | Oct 15, 2018 |
| Book Page | 004312/000050 |
| Name | TIAA FSB |
|---|---|
| Address | JACKSONVILLE, FL 32202 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 14, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $694,267 (+18.03%) | $736,400 (+20.72%) Land $181,000 Building $555,400 | |
| 2025 | $7,196.00 (+29.52%) | ||
| 2023 | $5,556.00 | $588,233 | $610,000 Land $181,000 Building $429,000 |
Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 35% of the US · above 73% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 2,439 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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