7108 Arcadia Cir, Newark, MD 21841 Property Records

Worcester County property record for 7108 Arcadia Cir, Newark, MD 21841

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,440 sqft · built 2007
Lot Size	0.209 acres (9,108 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Jul 2020)
Tax Bill	$2,864 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-010302`

Property Details

APN / Parcel Number

Primary APN	`04-010302`
Alternative APN	`010302`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,440 sqft Total Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,108 sqft (0.209 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	010302
Street Address	7108 ARCADIA CIR
City	NEWARK
State	MD
Zip	21841-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 9,108 SQ FT ARCADIA CIRCLE ARCADIA LLC SUBDIVISION
Legal Subdivision	ARCADIA CIRCLE ARCADIA LLC SUB
Legal Lot Number	5
Jurisdiction	WORCESTER MD
Township / Civil Division	4, WESTERN
Census Block Group	1
Census Block	1033
Census Tract	951200

Owner

7108 Arcadia Cir is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109
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
Mar 5, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 15, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 7, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 18, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 2, 2020	Grant Deed, Transfer · FHA Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on File
Deed Sale	Jul 2, 2020 · Amount on File
Prior Sale	Jul 19, 2010 · Amount on File
Deed Book / Page	7701 / 180
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109

Mortgage

Document Number	0087180175
Date	Mar 5, 2024
Book Page	8718/175

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Jul 1, 2050

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109

Mortgage

Document Number	0085300127
Date	Feb 15, 2023
Book Page	8530/127

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Jul 1, 2050

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109
Transaction Type	Mortgage
Record Updated	Nov 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109

Mortgage

Document Number	0084720220
Date	Oct 7, 2022
Book Page	8472/220

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Jul 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MD
Property Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109
Transaction Type	Mortgage
Record Updated	Nov 1, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109

Mortgage

Document Number	0083140267
Date	Feb 18, 2022
Book Page	8314/267

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Jul 1, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Jul 2, 2020
Property Address	7108 ARCADIA CIR, NEWARK, MD 21841-2109
Document Number	0077010180
Book / Page	007701 / 000180
Instrument Date	Jun 10, 2020
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	MIDATLANTIC SETTLEMENT SERVICES LL, MIDATLANTIC SETTLEMENT SVCS LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7108 ARCADIA CIR NEWARK MD 218412109, NEWARK, MD 21841-2109

Mortgage

Document Number	77010185
Date	Jul 2, 2020
Book Page	007701/000185

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 7108 Arcadia Cir was $2,864, up 6.1% 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	$2,864.00 (+6.07%)	$310,333	$345,800 Land $59,700 Building $286,100
2025	$2,700.00
2023	$2,528.00	$264,200	$292,600 Land $59,700 Building $232,900

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

Flood

FEMA maps place 7108 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 7108 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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