Cecil County property record for 640 Baltimore St, Charlestown, MD 21914
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,964 sqft · built 2011 |
| Lot Size | 4.07 acres (177,289 sqft) |
| Owner | Individual Name on File |
| Last Sale | $129,900 (Jul 2009) |
| Tax Bill | $8,695 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-116236 |
| Primary APN | 05-116236 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,964 sqft Total Area |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 177,289 sqft (4.07 acres) |
| Garage Type | Mixed |
| Garage Area | 1,990 sqft |
| Parking Spaces | 6 Parking Spaces |
| Pool Area | 700 sqft |
| Porch | Slab |
| Porch Area | 1,363 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 116236 |
|---|---|
| Street Address | 640 BALTIMORE ST |
| City | CHARLESTOWN |
| State | MD |
| Zip | 21914-1103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 2 - 4.071 ACRES 640 BALTIMORE STREET CHARLESTOWN |
| Legal Subdivision | DUCK HOLLOW SEC 02 |
| Legal Lot Number | 2 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 5, NORTH EAST |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 30907 |
640 Baltimore St is owned and occupied by an individual who acquired it in September 2010.
Source: Cecil County records, as of September 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 157, CHARLESTOWN, MD 21914-0157 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2009 · Amount on File |
| Deed Sale | Jul 21, 2009 · Amount on File |
| Prior Sale | Jun 22, 2009 · Amount on File |
| Deed Document Number | 2009279530 |
| Deed Book / Page | 2680 / 63 |
| Last Transfer Date | Sep 13, 2010 |
| Transfer Doc | 0028940058 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 640 Baltimore St was $8,695 with a homeowner's exemption, up 4.6% from the year before.
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | Charlestown Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,695.00 (+4.61%) Homeowner's exemption | $675,800 (+8.02%) Land $147,600 Building $528,200 | $675,800 (-) Land $147,600 Building $528,200 |
| 2025 | $8,312.00 Homeowner's exemption | $625,633 | $675,800 Land $147,600 Building $528,200 |
| 2023 | $6,541.00 Homeowner's exemption | $525,300 Land $147,600 Building $377,700 | $525,300 Land $147,600 Building $377,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 Baltimore St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2012.
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 |
| Flood Insurance Cost | Premium on File median of 84 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 84 in force |
| Nearby Flood Claims | 6 (2012–2026) |
| Most Recent Claim | Jun 2026 · other causes |
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 risk around 640 Baltimore 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 80% of the US · above 41% 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures