96 Granite Run Dr, Conowingo, MD 21918 Property Records

Cecil County property record for 96 Granite Run Dr, Conowingo, MD 21918

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,056 sqft · built 1994
Lot Size	0.812 acres (35,370 sqft)
Owner	2 Individual Names on File
Last Sale	$218,500 (Jul 2018)
Tax Bill	$2,659 (2026)
Deeds & Mortgages	Apr 2019 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-041195`

Property Details

APN / Parcel Number

Primary APN	`07-041195`
Alternative APNs	`7041195` `041195`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,056 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	35,370 sqft (0.812 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	041195
Street Address	96 GRANITE RUN DR
City	CONOWINGO
State	MD
Zip	21918-1718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 16 - .812 ACRE 96 GRANITE RUN DRIVE LARKINS DESIRE
Legal Subdivision	GRANITE RUN
Legal Lot Number	16
Jurisdiction	CECIL MD
Township / Civil Division	7, PORT DEPOSIT
Census Block Group	1
Census Block	1004
Census Tract	31201

Owner

96 Granite Run Dr is owned and occupied by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	96 GRANITE RUN DR, CONOWINGO, MD 21918-1718
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
Apr 25, 2019	Deed of Trust, Mortgage · VA Mortgage ATLANTIC HM LOANS
Jul 24, 2018	Grant Deed, Transfer · VA Mortgage ATLANTIC HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2018 · Amount on File
Deed Sale	Jul 24, 2018 · Amount on File
Prior Sale	Dec 29, 2000 · Amount on File
Deed Book / Page	4275 / 276
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	96 GRANITE RUN DR, CONOWINGO, MD 21918-1718
Document Number	0043930161
Instrument Date	Apr 25, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	LIBERTY TITLE, LIBERTY TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	96 GRANITE RUN DR CONOWINGO MD 219181718, CONOWINGO, MD 21918-1718

Mortgage

Document Number	0043930161
Date	May 1, 2019
Book Page	004393/000161

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Jul 24, 2018
Property Address	96 GRANITE RUN DR, CONOWINGO, MD 21918-1718
Document Number	0042750276
Book / Page	004275 / 000276
Instrument Date	Jul 20, 2018
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$218.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	96 GRANITE RUN DR CONOWINGO MD 219181718, CONOWINGO, MD 21918-1718

Mortgage

Document Number	42750287
Date	Jul 24, 2018
Book Page	004275/000287

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 96 Granite Run Dr was $2,659 with a homeowner's exemption, up 3.2% 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	$2,659.00 (+3.22%) Homeowner's exemption	$256,700 Land $67,600 Building $189,100	$256,700 Land $67,600 Building $189,100
2025	$2,576.00 Homeowner's exemption
2023	$1,694.00 Homeowner's exemption	$211,400 Land $67,600 Building $143,800	$211,400 Land $67,600 Building $143,800

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

Flood

FEMA maps place 96 Granite Run Dr in Zone X, an area of minimal flood risk, though there have been 10 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	33 units insured incl. 24 condo units
Nearby Flood Claims	10 (1978–2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Remnants Of Tropical Storm Lee, Sep 2011 · 7 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 96 Granite Run Dr 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	750 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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