509 S 2nd St, Denton, MD 21629 Property Records

Caroline County property record for 509 S 2nd St, Denton, MD 21629

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,300 sqft · built 1941
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Oct 2026)
Tax Bill	$3,569 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-011712`

Property Details

APN / Parcel Number

Primary APN	`03-011712`
Alternative APNs	`3011712` `011712`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,300 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,000 sqft (0.344 acres)
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Pool Area	648 sqft
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	011712
Street Address	509 S 2ND ST
City	DENTON
State	MD
Zip	21629-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Description	15,000 SF L-19,20 E/S SECOND ST DENTON
Legal Subdivision	LAURENCE B TOWERS SUB
Jurisdiction	CAROLINE MD
Township / Civil Division	3, DENTON
Census Block Group	1
Census Block	1044
Census Tract	955302

Owner

509 S 2nd St is owned and occupied by two individuals who bought it in October 2026.

Source: Caroline County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	509 S 2ND ST, DENTON, MD 21629-1404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit PROVIDENT STATE BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Prior Sale	Aug 25, 2011 · Amount on File
Deed Book / Page	1811 / 76
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CAROLINE MD
Recording Date	Oct 2, 2026
Property Address	509 S 2ND ST, DENTON, MD 21629-1404
Document Number	1811000076
Book / Page	1811 / 76
Instrument Date	Sep 30, 2026
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	EASTERN TITLE, EASTERN SHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$402,990.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	509 S 2ND ST, DENTON, MD 21629-1404

Mortgage

Document Number	1811000082,
Date	Oct 2, 2026
Book Page	1811/82

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAROLINE MD
Property Address	509 S 2ND ST, DENTON, MD 21629-1404
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	EVANS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014730200
Date	Mar 2, 2021
Book Page	1473/200

Lender

Name	PROVIDENT STATE BANK INC
Type	Bank
Address	DENTON, MD 21629

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 509 S 2nd St was $3,569 with a homeowner's exemption, up 3.4% from the year before.

Source: Caroline County assessment roll, as of August 18, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Caroline County
Municipality	Denton Town
Unified School District	Caroline County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,569.00 (+3.39%) Homeowner's exemption	$261,833 (+0.9%)	$266,500 (+2.7%) Land $57,200 Building $209,300
2025	$3,452.00 Homeowner's exemption	$259,500 Land $57,200 Building $202,300	$259,500 Land $57,200 Building $202,300
2023	$3,266.00 Homeowner's exemption	$205,433	$259,500 Land $57,200 Building $202,300

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

Flood

FEMA maps place 509 S 2nd St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 509 S 2nd St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF DENTON serves 4,848 people · EPA ID MD0050001
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Simple Fiber.

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