Cecil County property record for 45 Saint Clements Way, Warwick, MD 21912 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,550 sqft · built 1996 |
| Lot Size | 2.44 acres (106,286 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $519,000 (Dec 2018) |
| Tax Bill | $5,904 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Jun 2018 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-061224 |
| Primary APN | 01-061224 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,550 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 106,286 sqft (2.44 acres) |
| Garage Type | Built-in |
| Garage Area | 674 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1,025 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 640 sqft |
| Deck Area | 828 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 061224 |
|---|---|
| Street Address | 45 SAINT CLEMENTS WAY |
| City | WARWICK |
| State | MD |
| Zip | 21912-1235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 16 - 2.444 ACRES 45 SAINT CLEMENTS WAY STRAWBERRY HILL |
| Legal Subdivision | STRAWBERRY HIL |
| Legal Lot Number | 16 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 1, CECILTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 30100 |
Source: Cecil County records · APN 01-061224
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 SAINT CLEMENTS WAY, WARWICK, MD 21912-1235 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 15, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 27, 2018 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Aug 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Feb 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 12, 2018 | Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP |
| Dec 12, 2018 | Quit Claim Deed KIRSH TITLE SERVICES, KIRSH TITLE SVCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 12, 2018 · Amount on Record |
| Deed Sale | Dec 12, 2018 · Amount on Record |
| Prior Sale | Oct 11, 1994 · Amount on Record |
| Deed Book / Page | 4336 / 207 |
| Prior Transfer Date | Nov 27, 2018 |
| Prior Transfer Doc | 0043360204 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 45 SAINT CLEMENTS WAY, WARWICK, MD 21912-1235 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0041610091 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 4161/091 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 01, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 45 SAINT CLEMENTS WAY, WARWICK, MD 21912-1235 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0042640157 |
|---|---|
| Date | Jun 27, 2018 |
| Book Page | 4264/157 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 45 SAINT CLEMENTS WAY, WARWICK, MD 21912-1235 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0044450375 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 4445/375 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANNAPOLIS, MD 21401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 45 SAINT CLEMENTS WAY, WARWICK, MD 21912-1235 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0047900208 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 4790/208 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Dec 12, 2018 |
| Property Address | 45 SAINT CLEMENTS WAY, WARWICK, MD 21912-1235 |
| Document Number | 0043360207 |
| Book / Page | 4336 / 207 |
| Map Reference | CAB PC213 FO326 |
| Instrument Date | Nov 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | KIRSH TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 SAINT CLEMENTS WAY, WARWICK, MD 21912-1235 |
| Document Number | 0004336212 |
|---|---|
| Date | Dec 12, 2018 |
| Instrument | 4336/212 |
| Name | BAY CAPITAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Dec 12, 2018 |
| Property Address | 45 SAINT CLEMENTS WAY, WARWICK, MD 21912-1235 |
| Document Number | 0043360204 |
| Book / Page | 004336 / 000204 |
| Instrument Date | Nov 27, 2018 |
| Record Updated | Dec 27, 2018 |
| Title Company | KIRSH TITLE SERVICES, KIRSH TITLE SVCS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 535 CECILTON MD 219130535, CECILTON, MD 21913-0535 |
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 | $568,167 (+6.39%) | $602,300 (-) Land $184,400 Building $417,900 | |
| 2025 | $5,904.00 (+22.21%) | $534,033 (+7.79%) | $602,300 (+20.48%) Land $184,400 Building $417,900 |
| 2023 | $4,831.00 | $495,433 | $499,900 Land $151,100 Building $348,800 |
Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240150301002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3 in force 2 of 3 on primary residences |
| Wildfire Risk | Low above 32% of the US · above 68% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 3,571 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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