804 Bell Manor Rd, Conowingo, MD 21918 Property Records

Cecil County property record for 804 Bell Manor Rd, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,996 sqft · built 2019
Lot Size	9.59 acres (417,740 sqft)
Owner	2 Individual Names on File
Last Sale	$84,000 (Apr 2017)
Tax Bill	$7,099 (2026)
Deeds & Mortgages	Aug 2018 Construction Loan Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-006547`

Property Details

APN / Parcel Number

Primary APN	`08-006547`
Alternative APNs	`8006547` `006547`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	3,996 sqft Total Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	417,740 sqft (9.59 acres)

Exterior Amenities

Porch	Slab
Porch Area	376 sqft
Shed	1 Shed
Shed Area	3,400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	006547
Street Address	804 BELL MANOR RD
City	CONOWINGO
State	MD
Zip	21918-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAR
Legal Description	9.599 ACRES 804 BELL MANOR ROAD S OF PILOT
Legal Subdivision	ADDITION LAND LANDS OF SC
Jurisdiction	CECIL MD
Township / Civil Division	8, OAKWOOD
Census Block Group	1
Census Block	1015
Census Tract	31400

Owner

804 Bell Manor Rd is owned and occupied by two individuals who acquired it in June 2020.

Source: Cecil County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	804 BELL MANOR RD, CONOWINGO, MD 21918-1015
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
Aug 24, 2018	Deed of Trust, Mortgage · Construction Mortgage YORK TRADITIONS BANK
Aug 15, 2018	Deed of Trust, Mortgage · ARM YORK TRADITIONS BANK
Jun 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage YORK TRADITIONS BANK
Apr 20, 2017	Deed, Transfer · Conventional Mortgage MEMBERS 1ST COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2017 · Amount on File
Deed Sale	Apr 20, 2017 · Amount on File
Prior Sale	Nov 13, 2002 · Amount on File
Deed Book / Page	4053 / 15
Last Transfer Date	Jun 5, 2020
Transfer Doc	0046180106
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	804 BELL MANOR RD, CONOWINGO, MD 21918-1015
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042880278
Date	Aug 24, 2018
Book Page	4288/278

Lender

Name	YORK TRADITIONS BANK
Type	Bank
Address	YORK, PA 17402

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	371 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Margin	3
Max Rate	11.2%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	804 BELL MANOR RD, CONOWINGO, MD 21918-1015
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	LIBERTY TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042840417
Date	Aug 15, 2018
Book Page	4284/417

Lender

Name	YORK TRADITIONS BANK
Type	Bank
Address	YORK, PA 17402

Agreement

Type	ARM
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Margin	3
Max Rate	11.2%

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Jun 15, 2020
Property Address	804 BELL MANOR RD, CONOWINGO, MD 21918-1015
Document Number	0046180106
Book / Page	4618 / 106
Map Reference	MB 1110 FO 86
Instrument Date	Jun 5, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	804 BELL MANOR RD, CONOWINGO, MD 21918-1015

Mortgage

Document Number	0004618113
Date	Jun 15, 2020
Instrument	4618/113

Lender

Name	YORK TRADITIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 20, 2017
Property Address	804 BELL MANOR RD, CONOWINGO, MD 21918-1015
Document Number	0040530015
Book / Page	4053 / 015
Map Reference	MB1110 FO86
Instrument Date	Mar 10, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ADVANTAGE TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	254 ROWLANDSVILLE RD, CONOWINGO, MD 21918-1526

Mortgage

Document Number	0000405324
Date	Apr 20, 2017
Instrument	4053/24

Lender

Name	MEMBERS 1ST COMMUNITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 804 Bell Manor Rd was $7,099, down 0.3% from the year before.

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,099.00 (-0.34%)	$649,200 (+0.59%)	$656,800 (+1.77%) Land $130,000 Building $526,800
2025	$7,123.00	$645,400 Land $130,000 Building $515,400	$645,400 Land $130,000 Building $515,400
2023	$5,353.00	$569,867	$645,400 Land $130,000 Building $515,400

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

Flood

FEMA maps place 804 Bell Manor Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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.

Wildfire

Wildfire risk around 804 Bell Manor Rd is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Armstrong Cable	750 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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