7103 Arcadia Cir, Newark, MD 21841 Property Records

Worcester County property record for 7103 Arcadia Cir, Newark, MD 21841

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,352 sqft · built 2021
Lot Size	0.185 acres (8,046 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Nov 2021)
Tax Bill	$2,606 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-010671`

Property Details

APN / Parcel Number

Primary APN	`04-010671`
Alternative APN	`010671`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,352 sqft Total Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,046 sqft (0.185 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	010671
Street Address	7103 ARCADIA CIR
City	NEWARK
State	MD
Zip	21841-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 39 8,046 SQ FT ARCADIA CIRCLE ARCADIA LLC SUBDIVISION
Legal Subdivision	ARCADIA CIRCLE ARCADIA LLC SUB
Legal Lot Number	39
Jurisdiction	WORCESTER MD
Township / Civil Division	4, WESTERN
Census Block Group	1
Census Block	1034
Census Tract	951200

Owner

7103 Arcadia Cir is owned and occupied by an individual who bought it in November 2021.

Source: Worcester County records, as of October 6, 2026

Owner of Record	Individual Name on File
Mailing Address	7103 ARCADIA CIR, NEWARK, MD 21841-2112
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Line of Credit HEBRON SAVINGS BANK
Nov 9, 2021	Deed, Transfer · Conventional Mortgage KEYSTONE FUNDING INC
May 14, 2019	Grant Deed, Transfer · Conventional Mortgage BANK OF OCEAN CTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2021 · Amount on File
Deed Sale	Nov 9, 2021 · Amount on File
Prior Sale	May 14, 2019 · Amount on File
Deed Book / Page	8219 / 426
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	7103 ARCADIA CIR, NEWARK, MD 21841-2112
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 ARCADIA CIR, NEWARK, MD 21841-2112

Mortgage

Document Number	0090790476
Date	Jan 22, 2026
Book Page	9079/476

Lender

Name	HEBRON SAVINGS BANK
Type	Bank
Address	HEBRON, MD 21830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 6, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Nov 9, 2021
Property Address	7103 ARCADIA CIR, NEWARK, MD 21841-2112
Document Number	0082190426
Book / Page	8219 / 426
Map Reference	MB 215 PG 3&4
Instrument Date	Oct 28, 2021
Transaction Type	Transfer
Record Updated	Nov 1, 2022
Title Company	NOT AVAILABLE, CARDINAL STLMTS OF MARYAND L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	7103 ARCADIA CIR, NEWARK, MD 21841-2112

Mortgage

Document Number	0008219432
Date	Nov 9, 2021
Instrument	8219/432

Lender

Name	KEYSTONE FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	May 14, 2019
Property Address	7103 ARCADIA CIR, NEWARK, MD 21841-2112
Document Number	0074160358
Book / Page	007416 / 000358
Instrument Date	Apr 25, 2019
Transaction Type	Transfer
Record Updated	May 27, 2019
Title Company	RESORT LAND TITLE AND ESCROW, RESORT LAND TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11217 GUM POINT RD BERLIN MD 218113171, BERLIN, MD 21811-3171
Investor	Possibly a Property Investor

Mortgage

Document Number	74160365
Date	May 14, 2019
Book Page	007416/000365

Lender

Name	BANK OF OCEAN CTY
Type	Bank
Address	BERLIN, MD 21811

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	74160375,
Date	May 14, 2019
Book Page	007416/000375

Lender

Name	BANK OF OCEAN CTY
Type	Bank
Address	BERLIN, MD 21811

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 7103 Arcadia Cir was $2,606, up 2.8% from the year before.

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,606.00 (+2.76%)	$282,333 (+2.74%)	$297,400 (+8.22%) Land $59,600 Building $237,800
2025	$2,536.00	$274,800 Land $59,600 Building $215,200	$274,800 Land $59,600 Building $215,200
2023	$2,018.00	$210,933	$274,800 Land $59,600 Building $215,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7103 Arcadia Cir in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · 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 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	9 (1985–2012)
Claims Outside the SFHA	1 of 9
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 5 claims

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

Wildfire risk around 7103 Arcadia Cir is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 74% of Maryland
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NEWARK serves 325 people · EPA ID MD0230002
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Bay Country Communications.

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