10 Forest Dr, Elkton, MD 21921 Property Records

Cecil County property record for 10 Forest Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,424 sqft · built 2007
Lot Size	0.121 acres (5,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (May 2021)
Tax Bill	$3,052 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-020972`

Property Details

APN / Parcel Number

Primary APN	`05-020972`
Alternative APNs	`5020972` `020972`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,424 sqft Total Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,250 sqft (0.121 acres)
Garage Type	Built-in
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	020972
Street Address	10 FOREST DR
City	ELKTON
State	MD
Zip	21921-7110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	LOT 10 - .12 ACRE 10 FOREST DRIVE COOL SPRINGS PARK
Legal Subdivision	COOL SPGS PARK
Legal Lot Number	10
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	2
Census Block	2023
Census Tract	30903

Owner

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	10 FOREST DR, ELKTON, MD 21921-7110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Apr 13, 2009 · Amount on Record
Deed Book / Page	4882 / 74
Record Updated	Oct 29, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 14, 2021
Property Address	10 FOREST DR, ELKTON, MD 21921-7110
Document Number	0048820074
Book / Page	4882 / 74
Instrument Date	May 12, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LIBERTY TITLE, LIBERTY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 FOREST DR, ELKTON, MD 21921-7110

Mortgage

Document Number	0000488283
Date	May 14, 2021
Instrument	4882/83

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

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	$3,052.00 (+5.75%)	$281,500 (+23.3%) Land $60,300 Building $221,200	$281,500 (+23.3%) Land $60,300 Building $221,200
2025	$2,886.00 (+14.48%)
2023	$2,521.00	$228,300 Land $60,300 Building $168,000	$228,300 Land $60,300 Building $168,000

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

Flood

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 Policies	1 in force
Nearby Flood Claims	22 (1979–2015)
Claims Outside the SFHA	7 of 22
Most Recent Claim	Oct 2015 · rainfall accumulation
Claims by Event	Hurricane Isabel, Sep 2003 · 10 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 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

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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20