480 Ragan Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 480 Ragan Rd, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,400 sqft · built 1987
Lot Size	2.11 acres (91,912 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,900 (Sep 2020)
Tax Bill	$3,063 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-015163`

Property Details

APN / Parcel Number

Primary APN	`08-015163`
Alternative APNs	`8015163` `015163`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Total Area
Basement Area	396 sqft
Finished Basement	396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	91,912 sqft (2.11 acres)
Porch	Slab
Porch Area	180 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	015163
Street Address	480 RAGAN RD
City	CONOWINGO
State	MD
Zip	21918-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 5 - 2.119 ACRES 480 RAGAN ROAD OAKWOOD ACRES
Legal Subdivision	OAKWOOD ACRES
Legal Lot Number	5
Jurisdiction	CECIL MD
Township / Civil Division	8, OAKWOOD
Census Block Group	1
Census Block	1032
Census Tract	31400

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	2 Individual Names on Record
Mailing Address	480 RAGAN RD, CONOWINGO, MD 21918-1223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	Sep 8, 2015 · Amount on Record
Deed Book / Page	4670 / 375
Prior Transfer Date	May 21, 2014
Prior Transfer Doc	0035730450
Record Updated	Oct 29, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Sep 1, 2020
Property Address	480 RAGAN RD, CONOWINGO, MD 21918-1223
Document Number	0046700375
Book / Page	4670 / 375
Map Reference	MB 05 PG 41
Instrument Date	Aug 5, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	BROADVIEW TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	480 RAGAN RD, CONOWINGO, MD 21918-1223

Mortgage

Document Number	0004670380
Date	Sep 1, 2020
Instrument	4670/380

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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	$3,063.00 (-0.16%)	$277,000 (+0.76%)	$281,200 (+2.29%) Land $90,800 Building $190,400
2025	$3,068.00 (+48.72%)	$274,900 (+12.28%) Land $90,800 Building $184,100	$274,900 (-) Land $90,800 Building $184,100
2023	$2,063.00	$244,833	$274,900 Land $90,800 Building $184,100

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	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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

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