49 Topeka Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 49 Topeka Rd, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2 ba · 960 sqft · built 1988
Lot Size	0.584 acres (25,439 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (May 2024)
Tax Bill	$3,153 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-015708`

Property Details

APN / Parcel Number

Primary APN	`08-015708`
Alternative APNs	`8015708` `015708`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	960 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	25,439 sqft (0.584 acres)
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	015708
Street Address	49 TOPEKA RD
City	CONOWINGO
State	MD
Zip	21918-1200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 52 - .584 ACRE 49 TOPEKA ROAD TOPEKA
Legal Subdivision	TOPEKA
Legal Lot Number	52
Jurisdiction	CECIL MD
Township / Civil Division	8, OAKWOOD
Census Block Group	2
Census Block	2019
Census Tract	31400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	49 TOPEKA RD, CONOWINGO, MD 21918-1200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
May 2, 2024	Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Dec 26, 2018	Loan Modification, Mortgage PENNYMAC
Jun 7, 2017	Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2024 · Amount on Record
Deed Sale	May 2, 2024 · Amount on Record
Prior Sale	May 1, 2024 · Amount on Record
Deed Book / Page	5460 / 101
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Jul 2, 2026
Property Address	49 TOPEKA RD, CONOWINGO, MD 21918-1200
Document Number	5812000005
Book / Page	5812 / 5
Instrument Date	Feb 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 TOPEKA RD, CONOWINGO, MD 21918-1200

Mortgage

Document Number	5812000005,
Date	Jul 2, 2026
Book Page	5812/5

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Aug 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.09%
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 2, 2024
Property Address	49 TOPEKA RD, CONOWINGO, MD 21918-1200
Document Number	0054600101
Book / Page	5460 / 101
Map Reference	MB NDS 12 FO 62
Instrument Date	Apr 30, 2024
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	EQUITABLE TITLE/FL, EQUITABLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 TOPEKA RD, CONOWINGO, MD 21918-1200

Mortgage

Document Number	0054600108
Date	May 2, 2024
Instrument	5460-0108

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CECIL MD
Property Address	49 TOPEKA RD, CONOWINGO, MD 21918-1200
Document Number	0043560494
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 TOPEKA RD CONOWINGO MD 219181200, CONOWINGO, MD 21918-1200

Mortgage

Document Number	0043560494
Date	Jan 31, 2019
Book Page	004356/000494

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2049

Interest

Rate	4.87%

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 7, 2017
Property Address	49 TOPEKA RD, CONOWINGO, MD 21918-1200
Document Number	0040780001
Book / Page	4078 / 001
Map Reference	MB NDS12 FO75
Instrument Date	May 19, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 TOPEKA RD, CONOWINGO, MD 21918-1200

Mortgage

Document Number	0000040788
Date	Jun 7, 2017
Instrument	4078/8

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 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	$3,153.00 (+5.06%)	$285,267 (+6.13%)	$318,200 (+18.38%) Land $91,000 Building $227,200
2025	$3,001.00 (+87.8%)	$268,800 (+12.81%) Land $70,700 Building $198,100	$268,800 (-) Land $70,700 Building $198,100
2023	$1,598.00 Homeowner's exemption	$238,267	$268,800 Land $70,700 Building $198,100

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
Nearby Flood Claims	4 (1978–1999)
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	750 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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