95 Water St, Warwick, MD 21912 Property Records

Cecil County property record for 95 Water St, Warwick, MD 21912

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,304 sqft · built 1966
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on File
Last Sale	$219,400 (Jun 2020)
Tax Bill	$2,373 (2026)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-006304`

Property Details

APN / Parcel Number

Primary APN	`01-006304`
Alternative APNs	`1006304` `006304`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,304 sqft Total Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	81,022 sqft (1.86 acres)
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	006304
Street Address	95 WATER ST
City	WARWICK
State	MD
Zip	21912-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Description	1.8662 ACRE 95 WATER STREET AT WARWICK
Jurisdiction	CECIL MD
Township / Civil Division	1, CECILTON
Census Block Group	2
Census Block	2002
Census Tract	30100

Owner

95 Water St is owned by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	61529 SALO RD, ASHLAND, WI 54806-4086
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2020 · Amount on File
Deed Sale	Jun 30, 2020 · Amount on File
Prior Sale	Mar 8, 1989 · Amount on File
Deed Book / Page	4630 / 396
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Jun 30, 2020
Property Address	95 WATER ST, WARWICK, MD 21912-1035
Document Number	0046300402
Book / Page	004630 / 000402
Instrument Date	Jun 19, 2020
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	95 WATER ST WARWICK MD 219121035, WARWICK, MD 21912-1035

Mortgage

Document Number	46300403
Date	Jun 30, 2020
Book Page	004630/000403

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company
Address	PORTLAND, ME 04106

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 95 Water St was $2,373, up 0.5% 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	$2,373.00 (+0.47%)	$213,333	$216,300 Land $56,100 Building $160,200
2025	$2,362.00
2023	$2,207.00	$194,467	$207,400 Land $56,100 Building $151,300

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

Flood

FEMA maps place 95 Water St in Zone X, an area of minimal flood risk.

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	3 in force

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 95 Water St 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choptank Fiber Fiber	2,500 / 2,500
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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