"Conowingo"

A 10% deposit by wire transfer or cashier’s check, will be required of the purchaser by 4:00 p.m. on the day of auction. When you register for an online auction, a “ping” will be placed on your credit card and immediately voided, you will not be charged the deposit amount. A 5% buyer’s premium will be added to the high bid and becomes part of the contract price. For complete Terms Of Sale, see the Summary Terms Of Sale at the bottom of this page and please see the Sample Contract.

Karen Allen Nicolaus, Attorney
1002 Frederick Road – Suite 2
Catonsville, MD 21228

Guardian’s Sale

$100,000 Opening Bid

CONOWINGO

ONE STORY RANCHER
3 Bedrooms ● 2 Baths ● 2.75± Acres
Built in 2020 ● Prior Fire Damage

Known As
38 GROFF FARM LANE
aka Groff Farm Road
Cecil County, MD 21918

Online Bidding Opens
WEDNESDAY, FEBRUARY 4, 2026

Online Bidding Closes
THURSDAY, FEBRUARY 5, 2026
AT 11:00 A.M.

Pursuant to Orders of the Circuit Court for Cecil County, passed in the matters of Shirley Gunter, Case No. C-07-FM-25-000707 and William Eugene Gunter, Case No. C-07-FM-25-000254, the undersigned Guardian of the Property will sell the above-captioned property as noted.

NOTE: The information contained herein has been obtained from sources deemed reliable and is believed to be accurate. However, no express or implied warranty is made or may be inferred from any such representation. Dimensions, square footage and acreage contained herein are more or less. Prospective purchasers are encouraged to perform their own due diligence, in advance of the auction, regarding the permitted uses of the property.

LOCATION:
38 Groff Farm Lane is situated about 1.5 miles east of the Susquehanna River, north of I-95, south of US-1 and west of MD-276. According to the Cecil County online school locator, nearby public schools are Conowingo Elementary, Perryville Middle and Perryville High. The surrounding area is rural-residential. Shopping, dining and community services are nearby in Havre de Grace, Perryville, Rising Sun and North East. The home is near water-oriented activities and marinas along the Susquehanna. Cecil County Dragway, Chesapeake Bay Golf Club and Bulle Rock Golf Course are also close by.

SITE:
Level, mostly clear lot comprises 2.75 acres. SDAT Map
Private well and septic
Asphalt driveway for 10+ cars leads to garage
Additional gravel parking area

IMPROVEMENTS:
One Story Vinyl Sided Rancher, built in 2020, contains 1,512 square feet of gross living area and 576 square foot two-car garage, according to public tax records. The home has a Trex-type front porch, composition shingle roof, concrete block foundation. The house was damaged by fire and some remediation has been done. Additional work is needed. House contains:

• Living Room – ceiling fan, LVP and sub-floor
• Dining Room – LVP floor and sliding door to rear
• Kitchen – LVP floor, laminate counters, wood cabinets, no appliances
• Primary Bedroom – large walk-in closet, sub-floor, En-Suite Shower Bath with LVP floor
• Bedroom #2 – sub-floor
• Bedroom #3 – sub-floor
• Full Hall Bathroom – LVP floor
• Laundry/Mudroom – LVP floor

Mechanical – electric heat pump and central air conditioning, 200-amp. electric, Kohler propane gas generator

TITLE:
The property is in fee simple and sold free and clear of liens. Cecil County Deed Book CMN 4465, Page 172.

TAXES:
Published annual real estate taxes are $3,581, based on a full value assessment of $321,733.

Purchasers may petition for a reduction in the assessment of their property in conjunction with a purchase price substantially less than the currently assessed value of the property. Purchasers are encouraged to contact the Maryland State Department of Assessments & Taxation concerning the appeals process, and may see the following link for helpful information: Assessment Appeal Process – dat.maryland.gov

SUMMARY TERMS OF SALE:
Please see the contract of sale for complete terms.
A 10% deposit by wire transfer or cashier’s check, will be required of the purchaser by 4:00 p.m. on the day of auction. Deposit funds shall be held by A. J. Billig & Co., LLC. Balance to be paid in cash at settlement, which shall take place within 45 days. If payment of the deposit or balance does not take place within the specified time, the deposit shall be forfeited and the property may be resold at the risk and expense of the purchaser. Interest to be charged on the unpaid purchase money, at the rate of 12% per annum, from date of contract to date of settlement. All adjustments, including taxes, all other public charges and assessments payable on a monthly or annual basis, and sanitary and/or metropolitan district charges, if any, to be adjusted for the current year to date of contract and assumed thereafter by the purchaser. The property will be sold in “AS IS” condition, and subject to easements, agreements, restrictions or covenants of record affecting same, if any. Purchaser assumes the risk of loss from the date of contract forward. If the Seller is unable to convey good and marketable title, the purchaser’s sole remedy in law or equity shall be limited to the refund of the deposit. Upon refund of the deposit this sale shall be null and void and of no effect, and the purchaser shall have no further claim against the Seller or Auctioneers. Recordation costs, transfer taxes and all costs incidental to settlement to be paid by the purchaser except where otherwise mandated by local, State or Federal law. Time is of the essence. A 5% buyer’s premium will be added to the high bid and becomes part of the contract price.

Karen Allen Nicolaus, Guardian