520 White Pine Dr, Fruitland, MD 21826 Property Records

Wicomico County property record for 520 White Pine Dr, Fruitland, MD 21826

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,765 sqft · built 2021
Lot Size	0.168 acres (7,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$296,390 (Nov 2021)
Tax Bill	$2,462 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Oct 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-045608`

Property Details

APN / Parcel Number

Primary APN	`16-045608`
Alternative APN	`045608`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,765 sqft Total Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,306 sqft (0.168 acres)
Garage Type	Built-in
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	045608
Street Address	520 WHITE PINE DR
City	FRUITLAND
State	MD
Zip	21826-1935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BL C LOT 8A - 7,306 520 WHITE PINE DRIVE FINAL PLAT CEDAR COMMONS
Legal Subdivision	CEDAR COMMONS
Legal Block	C
Legal Lot Number	8A
Jurisdiction	WICOMICO MD
Township / Civil Division	16, FRUITLAND
Census Block Group	4
Census Block	4004
Census Tract	10501

Owner

Source: Wicomico County records, as of September 9, 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	520 WHITE PINE DR, FRUITLAND, MD 21826-1935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed, Subdivision Related Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 16, 2020	Grant Deed, Transfer KIRSH TITLE SERVICES, KIRSH TITLE SVCS
Jun 27, 2019	Loan Modification, Mortgage · Conventional Mortgage HEBRON SVGS BK
Jun 28, 2019	Deed, Transfer · Line of Credit HEBRON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2021 · Amount on Record
Deed Sale	Nov 4, 2021 · Amount on Record
Prior Sale	Oct 16, 2020 · Amount on Record
Deed Book / Page	4976 / 88
Prior Transfer Date	Jun 7, 2011
Prior Transfer Doc	3323000476
Record Updated	Oct 29, 2026

November 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Nov 4, 2021
Property Address	520 WHITE PINE DR, FRUITLAND, MD 21826-1935
Document Number	0049760088
Book / Page	4976 / 88
Map Reference	CAB JBM17 FO 288
Instrument Date	Oct 28, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 11, 2022
Title Company	BRIGHT TITLE SERVICES LLC, BRIGHT TTL & STLMT SVCS LLC

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	520 WHITE PINE DR, FRUITLAND, MD 21826-1935

Mortgage

Document Number	0000497694
Date	Nov 4, 2021
Instrument	4976/94

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WICOMICO MD
Recording Date	Oct 16, 2020
Property Address	520 WHITE PINE DR, FRUITLAND, MD 21826-1935
Document Number	0047150403
Book / Page	004715 / 000403
Instrument Date	Oct 1, 2020
Transaction Type	Transfer
Record Updated	Nov 2, 2020
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Amount	Amount Recorded
Tax	$168.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	679 S CARTER RD #1 SMYRNA DE 199777755, 1, SMYRNA, DE 19977-7755

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WICOMICO MD
Property Address	520 WHITE PINE DR, FRUITLAND, MD 21826-1935
Document Number	0044990346
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Aug 8, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	316 COTTONWOOD DR FRUITLAND MD 21826, FRUITLAND, MD 21826
Investor	Possibly a Property Investor

Mortgage

Document Number	0044990346
Date	Jul 24, 2019
Book Page	004499/000346

Lender

Name	HEBRON SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Jun 28, 2019
Property Address	520 WHITE PINE DR, FRUITLAND, MD 21826-1935
Document Number	0044900127
Book / Page	4490 / 127
Map Reference	CAB MSB15 FO 83&84
Instrument Date	Jun 27, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 N DIVISION ST STE 201, 201, SALISBURY, MD 21801-5116
Investor	Possibly a Property Investor

Mortgage

Document Number	0044900133
Date	Jun 28, 2019
Book Page	4490/133

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Jun 27, 2021

Tax Assessment & Valuation

Source: Wicomico County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Wicomico County
Municipality	Fruitland City
Unified School District	Wicomico County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$315,167 (+27.29%)	$346,300 (+36.93%) Land $28,000 Building $318,300
2025	$2,462.00 (-0.28%) Homeowner's exemption
2023	$2,469.00 Homeowner's exemption	$247,600	$252,900 Land $28,000 Building $224,900

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 April 28, 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 Policies	1 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

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

Wildfire Risk	Low lower than 64% of the US · above 74% of Maryland
Wildfire Likelihood	0.04% 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	CITY OF FRUITLAND serves 5,907 people · EPA ID MD0220008
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	6 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Talkie Communications, Verizon.

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