Cecil County property record for 686 Ragan Rd, Conowingo, MD 21918
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,680 sqft · built 1997 |
| Lot Size | 2.27 acres (98,881 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $33,000 (Oct 1995) |
| Tax Bill | $3,098 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-018286 |
| Primary APN | 08-018286 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,680 sqft Total Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 98,881 sqft (2.27 acres) |
| Deck Area | 200 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Connected |
| Account Number | 018286 |
|---|---|
| Street Address | 686 RAGAN RD |
| City | CONOWINGO |
| State | MD |
| Zip | 21918-1220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NAR |
| Legal Description | LOT 4 - 2.27 ACRES 686 RAGAN ROAD N OF KILBYS CORNER |
| Legal Subdivision | KILBYS CORNER |
| Legal Lot Number | 4 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 8, OAKWOOD |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 31400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 686 RAGAN RD, CONOWINGO, MD 21918-1220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 1995 · Amount on Record |
| Deed Sale | Oct 23, 1995 · Amount on Record |
| Deed Document Number | 1995233703 |
| Deed Book / Page | 565 / 119 |
| Record Updated | Oct 29, 2026 |
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,098.00 (+2.89%) Homeowner's exemption | $284,567 (+13.16%) | $301,300 (+9.09%) Land $92,400 Building $208,900 |
| 2025 | $3,011.00 (+42.77%) Homeowner's exemption | ||
| 2023 | $2,109.00 Homeowner's exemption | $251,467 | $276,200 Land $92,400 Building $183,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 2 (1978) |
| Most Recent Claim | Jan 1978 · tidal / storm surge |
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.
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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Cable | 750 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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