45 Williams Ln, Conowingo, MD 21918 Property Records

Cecil County property record for 45 Williams Ln, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,581 sqft · built 2005
Lot Size	1.52 acres (66,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Feb 2004)
Tax Bill	$4,872 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`08-001952`

Property Details

APN / Parcel Number

Primary APN	`08-001952`
Alternative APNs	`8001952` `001952`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,581 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	66,211 sqft (1.52 acres)
Garage Type	Attached
Garage Area	753 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	325 sqft
Deck Area	432 sqft
Shed	1 Shed
Shed Area	2,096 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	001952
Street Address	45 WILLIAMS LN
City	CONOWINGO
State	MD
Zip	21918-1922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	1.52 ACRE 45 WILLIAMS LANE E OF KILBYS CORNER
Jurisdiction	CECIL MD
Township / Civil Division	8, OAKWOOD
Census Block Group	1
Census Block	1023
Census Tract	31400

Owner

Source: Cecil County records, as of August 18, 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	45 WILLIAMS LN, CONOWINGO, MD 21918-1922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2004 · Amount on Record
Deed Sale	Feb 5, 2004 · Amount on Record
Prior Sale	Mar 29, 1993 · Amount on Record
Deed Document Number	2004262754
Deed Book / Page	1584 / 17
Last Transfer Date	Dec 23, 2005
Transfer Doc	0021520594
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	45 WILLIAMS LN, CONOWINGO, MD 21918-1922
Document Number	0043540298
Instrument Date	Dec 19, 2018
Transaction Type	Mortgage
Record Updated	Feb 6, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 WILLIAMS LN CONOWINGO MD 219181922, CONOWINGO, MD 21918-1922

Mortgage

Document Number	0043540298
Date	Jan 25, 2019
Book Page	004354/000298

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of August 12, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$451,767 (+0.98%)	$460,500 (+2.93%) Land $76,900 Building $383,600
2025	$4,872.00 (+27.54%) Homeowner's exemption	$447,400 (+9.93%) Land $76,900 Building $370,500	$447,400 (-) Land $76,900 Building $370,500
2023	$3,820.00 Homeowner's exemption	$407,000	$447,400 Land $76,900 Building $370,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Internet Providers

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