Cecil County property record for 761 Ragan Rd, Conowingo, MD 21918
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,636 sqft · built 1990 |
| Lot Size | 0.765 acres (33,323 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,225 (2026) |
| Deeds & Mortgages | Mar 2023 Transfer Sep 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-016771 |
| Primary APN | 08-016771 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,636 sqft Total Area |
| Basement Area | 50 sqft |
| Finished Basement | 50 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 33,323 sqft (0.765 acres) |
| Garage Type | Detached |
| Garage Area | 476 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 180 sqft |
| Deck Area | 84 sqft |
| Patio Area | 100 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 016771 |
|---|---|
| Street Address | 761 RAGAN RD |
| City | CONOWINGO |
| State | MD |
| Zip | 21918-1217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 1 - .765 ACRE 761 RAGAN ROAD S/E OF ROCK SPRINGS |
| Legal Subdivision | RAGAN FRANK D LAND |
| Legal Lot Number | 1 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 8, OAKWOOD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 31400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 761 RAGAN RD, CONOWINGO, MD 21918-1217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2023 | Intrafamily Transfer, Transfer |
| Sep 15, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage EMM LOANS LLC |
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EMM LOANS LLC |
| Mar 2, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 9, 2023 |
| Transfer Doc | 0053750370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Mar 1, 2023 |
| Property Address | 761 RAGAN RD, CONOWINGO, MD 21918-1217 |
| Document Number | 0052990252 |
| Book / Page | 5299 / 252 |
| Map Reference | MB 185 FO 280 |
| Instrument Date | Feb 9, 2023 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 761 RAGAN RD, CONOWINGO, MD 21918-1217 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Sep 15, 2023 |
| Property Address | 761 RAGAN RD, CONOWINGO, MD 21918-1217 |
| Document Number | 0053750370 |
| Book / Page | 5375 / 370 |
| Map Reference | MB 185 FO 280 |
| Instrument Date | Feb 9, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2023 |
| Title Company | NOT AVAILABLE, RESOURCE SETTLEMENT SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 761 RAGAN RD, CONOWINGO, MD 21918-1217 |
| Document Number | 0053750375 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 5375-0375 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 354 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 761 RAGAN RD, CONOWINGO, MD 21918-1217 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMT & ESCROW L |
| Name | Verified Name |
|---|
| Document Number | 0049570345 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 4957/345 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Mar 2, 2021 |
| Property Address | 761 RAGAN RD, CONOWINGO, MD 21918-1217 |
| Document Number | 0048100441 |
| Book / Page | 4810 / 441 |
| Instrument Date | Aug 5, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ARMOUR SETTLEMENT SERVICES LLC, ARMOUR SETTLEMENT SVCS LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 761 RAGAN RD, CONOWINGO, MD 21918-1217 |
| Document Number | 0004810444 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 4810/444 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Sep 1, 2049 |
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 | $4,225.00 (+2.4%) Homeowner's exemption | $430,267 (+2.79%) | $453,600 (+8.36%) Land $67,100 Building $386,500 |
| 2025 | $4,126.00 (+33.31%) Homeowner's exemption | $418,600 (+12.25%) Land $67,100 Building $351,500 | $418,600 (-) Land $67,100 Building $351,500 |
| 2023 | $3,095.00 Homeowner's exemption | $372,933 | $418,600 Land $67,100 Building $351,500 |
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 |
| Nearby Flood Claims | 4 (1978–1999) |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
| Claims by Event |
|
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 | 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.
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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