633 Ell Downes Rd, Henderson, MD 21640 Property Records

Queen Anne's County property record for 633 Ell Downes Rd, Henderson, MD 21640

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,184 sqft · built 2015
Lot Size	1.91 acres (83,592 sqft)
Owner	Individual Name on Record
Last Sale	$599,900 (Jun 2024)
Tax Bill	$3,160 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-125099`

Property Details

APN / Parcel Number

Primary APN	`01-125099`
Alternative APN	`125099`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,184 sqft Total Area
Basement Area	1,232 sqft
Finished Basement	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	83,592 sqft (1.91 acres)
Garage Type	Mixed
Garage Area	1,842 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	78 sqft
Shed	1 Shed
Shed Area	1,170 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	125099
Street Address	633 ELL DOWNES RD
City	HENDERSON
State	MD
Zip	21640-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 4 - 1.919 ACRES N/SIDE ELL DOWNES RD S/INGLESIDE
Legal Subdivision	THE POND AT CHURCH HILL CONDOMINIUM
Legal Lot Number	4
Jurisdiction	QUEEN ANNE'S MD
Township / Civil Division	1, DIXON
Census Block Group	2
Census Block	2060
Census Tract	810200

Owner

Source: Queen Anne's 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	633 ELL DOWNES RD, HENDERSON, MD 21640-1222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2017	Deed of Trust, Mortgage · Commercial Mortgage CNB
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY CAPITAL MORTGAGE CORP
Sep 1, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2024 · Amount on Record
Deed Sale	Jun 12, 2024 · Amount on Record
Prior Sale	Mar 20, 2015 · Amount on Record
Deed Book / Page	4398 / 176
Prior Transfer Date	Feb 3, 2016
Prior Transfer Doc	0025080420
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	633 ELL DOWNES RD, HENDERSON, MD 21640-1222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027820193
Date	Oct 11, 2017
Book Page	2782/193
Instrument	2782-193

Lender

Name	CNB
Type	Bank
Address	DENTON, MD 21629

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	633 ELL DOWNES RD, HENDERSON, MD 21640-1222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0033190192
Date	Apr 29, 2020
Book Page	3319/192

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	QUEEN ANNE'S MD
Property Address	633 ELL DOWNES RD, HENDERSON, MD 21640-1222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034350205
Date	Sep 1, 2020
Book Page	3435/205

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Queen Anne's County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Queen Anne's County
Unified School District	Queen Annes County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$415,167 (+23.75%)	$574,500 (+71.24%) Land $139,100 Building $435,400
2025	$3,160.00 (+25.8%)	$335,500 (+19.72%) Land $79,100 Building $256,400	$335,500 (-) Land $79,100 Building $256,400
2023	$2,512.00 Homeowner's exemption	$280,233	$335,500 Land $79,100 Building $256,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 25, 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	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

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Choptank Fiber Fiber	2,500 / 2,500

Cell Coverage

5G and 4G LTE (outdoors only)

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