7320 Richardson St, Willards, MD 21874 Property Records

Wicomico County property record for 7320 Richardson St, Willards, MD 21874

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,792 sqft · built 1994
Lot Size	0.262 acres (11,406 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Mar 2022)
Tax Bill	$2,275 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-004734`

Property Details

APN / Parcel Number

Primary APN	`14-004734`
Alternative APN	`004734`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Metal
Lot Area	11,406 sqft (0.262 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	004734
Street Address	7320 RICHARDSON ST
City	WILLARDS
State	MD
Zip	21874-1130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	L-15AA 15,806 SQ F 7320 RICHARDSON ST RESUB JA & VL BAKER
Legal Subdivision	TRUITT LAURA JANE RESIDENCE
Legal Lot Number	15AA
Jurisdiction	WICOMICO MD
Township / Civil Division	14, WILLARDS
Census Block Group	2
Census Block	2015
Census Tract	10604

Owner

Source: Wicomico County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7320 RICHARDSON ST, WILLARDS, MD 21874-1130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed, Transfer · Conventional Mortgage FIRST HOME BANK
Dec 20, 2017	Deed, Transfer · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2022 · Amount on Record
Deed Sale	Mar 29, 2022 · Amount on Record
Prior Sale	Dec 20, 2017 · Amount on Record
Deed Book / Page	5068 / 297
Prior Transfer Date	Jun 13, 2015
Prior Transfer Doc	0038640418
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Mar 29, 2022
Property Address	7320 RICHARDSON ST, WILLARDS, MD 21874-1130
Document Number	0050680297
Book / Page	5068 / 297
Map Reference	MB 15 FO 97
Instrument Date	Mar 28, 2022
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE TITLE & ESCROW

Transaction

Amount	Amount Recorded
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
Address	7320 RICHARDSON ST, WILLARDS, MD 21874-1130

Mortgage

Document Number	0005068303
Date	Mar 29, 2022
Instrument	5068/303

Lender

Name	FIRST HOME BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Dec 20, 2017
Property Address	7320 RICHARDSON ST, WILLARDS, MD 21874-1130
Document Number	0042680096
Book / Page	4268 / 096
Map Reference	MB15 FO97
Instrument Date	Dec 12, 2017
Instrument	4268-096
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7320 RICHARDSON ST, WILLARDS, MD 21874-1130

Mortgage

Document Number	4268104
Date	Dec 20, 2017
Instrument	4268-104

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Wicomico County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Wicomico County
Municipality	Willards Town
Unified School District	Wicomico County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$264,167 (+8.44%)	$305,300 (+25.33%) Land $37,900 Building $267,400
2025	$2,275.00 (+16.31%)	$243,600 (+24.2%) Land $27,900 Building $215,700	$243,600 (-) Land $27,900 Building $215,700
2023	$1,956.00	$196,133	$243,600 Land $27,900 Building $215,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 28, 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2016 · 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	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	TOWN OF WILLARDS serves 1,021 people · EPA ID MD0220007
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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