665 McCauley Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 665 McCauley Rd, Conowingo, MD 21918

Property Summary

Property Type	Rural Home
Details	2 ba · 1,752 sqft · built 1900
Lot Size	14.3 acres (625,957 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (Oct 2022)
Tax Bill	$3,591 (2026)
Deeds & Mortgages	May 2026 Line of Credit Oct 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-004164`

Property Details

APN / Parcel Number

Primary APN	`06-004164`
Alternative APNs	`6004164` `004164`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,752 sqft Total Area
Basement Area	2,796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	625,957 sqft (14.3 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Patio Area	203 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	004164
Street Address	665 MCCAULEY RD
City	CONOWINGO
State	MD
Zip	21918-1616
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	NAR
Legal Description	14.370 ACRES 665 MCCAULEY ROAD W OF MT PLEASANT
Legal Subdivision	LANDS OF MARTHA BARCHOWSKY
Jurisdiction	CECIL MD
Township / Civil Division	6, RISING SUN
Census Block Group	1
Census Block	1053
Census Tract	31302

Owner

Source: Cecil 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	2000 JOSEPH BIGGS MEMORIAL HWY, RISING SUN, MD 21911-2512
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF BIRD-IN-HAND
Oct 14, 2022	Deed, Transfer · Line of Credit UNIVEST BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2022 · Amount on Record
Deed Sale	Oct 13, 2022 · Amount on Record
Prior Sale	Aug 25, 2016 · Amount on Record
Deed Book / Page	5248 / 50
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	May 28, 2026
Property Address	665 MCCAULEY RD, CONOWINGO, MD 21918-1616
Document Number	5791000313
Book / Page	5791 / 313
Instrument Date	May 22, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 JOSEPH BIGGS MEMORIAL HWY, RISING SUN, MD 21911-2512
Investor	Possibly a Property Investor

Mortgage

Document Number	5791000313,
Date	May 28, 2026
Book Page	5791/313

Lender

Name	BANK OF BIRD-IN-HAND

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Oct 14, 2022
Property Address	665 MCCAULEY RD, CONOWINGO, MD 21918-1616
Document Number	0052480050
Book / Page	5248 / 50
Map Reference	MB 1110 PG 64
Instrument Date	Oct 7, 2022
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	ARDENT TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 MCCAULEY RD, CONOWINGO, MD 21918-1616

Mortgage

Document Number	0052480057
Date	Oct 14, 2022
Instrument	5248-0057

Lender

Name	UNIVEST BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,591.00 (+2.57%)	$325,667 (+3.55%)	$348,000 (+10.65%) Land $82,500 Building $265,500
2025	$3,501.00 (+87.82%)	$314,500 (+38.69%) Land $82,500 Building $232,000	$314,500 (-) Land $82,500 Building $232,000
2023	$1,864.00	$226,767	$314,500 Land $82,500 Building $232,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (2004–2021)
Claims Outside the SFHA	4 of 6
Most Recent Claim	Sep 2021 · river or lake flooding

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20

May also be available: Verizon.

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