48 Desire Dr, Conowingo, MD 21918 Property Records

Cecil County property record for 48 Desire Dr, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,225 sqft · built 2000
Lot Size	7.82 acres (340,639 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (May 2026)
Tax Bill	$4,975 (2026)
Deeds & Mortgages	Feb 2022 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-037600`

Property Details

APN / Parcel Number

Primary APN	`07-037600`
Alternative APNs	`7037600` `037600`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,225 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	340,639 sqft (7.82 acres)
Garage Type	Built-in
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	85 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	037600
Street Address	48 DESIRE DR
City	CONOWINGO
State	MD
Zip	21918-1721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 32 - 7.821 ACRES 48 DESIRE DRIVE LARKIN'S DESIRE
Legal Subdivision	LARKINS DESIRE
Legal Lot Number	32
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1004
Census Tract	31201

Owner

Source: Cecil County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	48 DESIRE DR, CONOWINGO, MD 21918-1721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 11, 2026	Deed, Transfer · Conventional Mortgage UNITED MUTUAL FUNDING CORPORATION
May 24, 2017	Quit Claim Deed, Transfer GUARANTEED TRUST TITLE LLC, GUARANTEED TR TITLE LLC
Apr 21, 2017	Deed of Trust, Mortgage · Conventional with PMI ABERDEEN PROVING GROUND FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Feb 29, 2000 · Amount on Record
Deed Book / Page	5783 / 254
Prior Transfer Date	Apr 21, 2017
Prior Transfer Doc	0040710488
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	48 DESIRE DR, CONOWINGO, MD 21918-1721
Transaction Type	Mortgage
Record Updated	May 25, 2026
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051080455
Date	Feb 18, 2022
Book Page	5108/455

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Dec 1, 2050

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 11, 2026
Property Address	48 DESIRE DR, CONOWINGO, MD 21918-1721
Document Number	5783000254
Book / Page	5783 / 254
Instrument Date	Apr 30, 2026
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	KIRK TITLE, KIRSH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$606,000.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 DESIRE DR, CONOWINGO, MD 21918-1721

Mortgage

Document Number	5783000259,
Date	May 11, 2026
Book Page	5783/259

Lender

Name	UNITED MUTUAL FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CECIL MD
Recording Date	May 24, 2017
Property Address	48 DESIRE DR, CONOWINGO, MD 21918-1721
Document Number	0040710488
Book / Page	004071 / 000488
Instrument Date	Apr 21, 2017
Transaction Type	Transfer
Record Updated	Jul 26, 2017
Title Company	GUARANTEED TRUST TITLE LLC, GUARANTEED TR TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	48 DESIRE DR CONOWINGO MD 219181721, CONOWINGO, MD 21918-1721

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	48 DESIRE DR, CONOWINGO, MD 21918-1721
Document Number	0040710500
Instrument Date	Apr 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	GUARANTEED TRUST TITLE LLC, GUARANTEED TR TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 DESIRE DR CONOWINGO MD 219181721, CONOWINGO, MD 21918-1721

Mortgage

Document Number	0040710500
Date	May 24, 2017
Book Page	004071/000500

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2047

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of September 21, 2026

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	$4,975.00 (+10.26%)	$453,300 (+6.19%) Land $122,900 Building $330,400	$453,300 (-) Land $122,900 Building $330,400
2025	$4,512.00 (+29.28%) Homeowner's exemption	$426,867 (+14.14%)	$453,300 (+21.2%) Land $122,900 Building $330,400
2023	$3,490.00 Homeowner's exemption	$374,000 Land $122,900 Building $251,100	$374,000 Land $122,900 Building $251,100

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	33 units insured incl. 24 condo units
Nearby Flood Claims	10 (1978–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 7 claims

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	750 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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