Cecil County property record for 540 Old Telegraph Rd, Warwick, MD 21912 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1.5 Baths |
| Year Built | Built 1989 |
| Square Footage | 1,344 sqft Total Area |
| Lot Size | 43,560 sqft (1 acres) |
| Garage | Mixed, 576 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $335,000 (2024) |
| Tax Bill | $2,970.00 (2025) |
| Primary APN | 01-060465 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,344 sqft Total Area |
| Stories | 1 Stories |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 576 sqft Garage |
| Deck Area | 96 sqft Deck |
| Porch Area | 264 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Sewage | Sewage Connected |
| Account Number | 060465 |
|---|---|
| Street Address | 540 OLD TELEGRAPH RD |
| City | WARWICK |
| State | MD |
| Zip | 21912-1102 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1 ACRE 540 OLD TELEGRAPH ROAD W OF WARWICK |
| Legal Subdivision | WARWICK |
| Jurisdiction | CECIL MD |
| Minor Civil Division | 1, CECILTON |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 30100 |
Source: Cecil County records · APN 01-060465
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 540 OLD TELEGRAPH RD, WARWICK, MD 21912-1102 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 02, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ROCKET MORTGAGE LLC |
| Jan 02, 2024 | Deed, Transfer · Conventional Mortgage CENTRAL MORTGAGE FUNDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 02, 2024 · Amount on Record |
| Deed Sale | Jan 02, 2024 · Amount on Record |
| Prior Sale | Mar 22, 1989 · Amount on Record |
| Deed Book / Page | 5412 / 333 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jun 02, 2026 |
| Property Address | 540 OLD TELEGRAPH RD, WARWICK, MD 21912-1102 |
| Document Number | 0057940057 |
| Book / Page | 5794 / 57 |
| Instrument Date | May 22, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET TITLE, ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 540 OLD TELEGRAPH RD, WARWICK, MD 21912-1102 |
| Investor | Possibly a Property Investor |
| Document Number | 5794000057, |
|---|---|
| Date | Jun 02, 2026 |
| Book Page | 5794/57 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.88% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jan 02, 2024 |
| Property Address | 540 OLD TELEGRAPH RD, WARWICK, MD 21912-1102 |
| Document Number | 0054120333 |
| Book / Page | 5412 / 333 |
| Instrument Date | Dec 11, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2024 |
| Title Company | KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $837.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 540 OLD TELEGRAPH RD, WARWICK, MD 21912-1102 |
| Document Number | 0054120339 |
|---|---|
| Date | Jan 02, 2024 |
| Instrument | 5412-0339 |
| Name | CENTRAL MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2054 |
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $294,867 (+10.88%) | $323,800 (-) Land $106,700 Building $217,100 | |
| 2025 | $2,970.00 (+53.49%) | $265,933 (+14.05%) | $323,800 (+36.62%) Land $106,700 Building $217,100 |
| 2023 | $1,935.00 | $233,167 | $237,000 Land $106,700 Building $130,300 |
Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 9,091 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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