112 Black Oak Dr, Elkton, MD 21921 Property Records

Cecil County property record for 112 Black Oak Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,541 sqft · built 1980
Lot Size	0.738 acres (32,144 sqft)
Owner	2 Individual Names on File
Last Sale	$237,500 (Dec 2019)
Tax Bill	$4,335 (2026)
Deeds & Mortgages	Dec 2023 Second Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-026519`

Property Details

APN / Parcel Number

Primary APN	`04-026519`
Alternative APNs	`4026519` `026519`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,541 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	32,144 sqft (0.738 acres)
Garage Type	Mixed
Garage Area	1,377 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Porch	Slab
Porch Area	276 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	026519
Street Address	112 BLACK OAK DR
City	ELKTON
State	MD
Zip	21921-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 8 - .739 ACRE 112 BLACK OAK DRIVE THABAR
Legal Subdivision	THABAR
Legal Lot Number	8
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	1
Census Block	1003
Census Tract	30602

Owner

112 Black Oak Dr is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	112 BLACK OAK DR, ELKTON, MD 21921-2022
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
Dec 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
Dec 5, 2019	Deed, Transfer · FHA Mortgage NATIONWIDE MORTGAGE BANKERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2019 · Amount on File
Deed Sale	Dec 5, 2019 · Amount on File
Prior Sale	Sep 14, 2016 · Amount on File
Deed Book / Page	4509 / 212
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	112 BLACK OAK DR, ELKTON, MD 21921-2022
Transaction Type	Mortgage
Record Updated	Dec 15, 2023
Title Company	MARVEL TITLE AND ESCROW, MARVEL TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054020077
Date	Dec 4, 2023
Book Page	5402/77

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 4, 2038

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Dec 5, 2019
Property Address	112 BLACK OAK DR, ELKTON, MD 21921-2022
Document Number	0045090212
Book / Page	4509 / 212
Map Reference	LB WAS4 FO 32
Instrument Date	Aug 26, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ALLSTATES TITLE SERVICE INC

Transaction

Amount	Amount 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	112 BLACK OAK DR, ELKTON, MD 21921-2022

Mortgage

Document Number	0004509222
Date	Dec 5, 2019
Instrument	4509/222

Lender

Name	NATIONWIDE MORTGAGE BANKERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 112 Black Oak Dr was $4,335, up 6.6% 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	$4,335.00 (+6.64%)	$397,067	$453,800 Land $116,000 Building $337,800
2025	$4,065.00
2023	$2,969.00	$329,500	$368,700 Land $81,000 Building $287,700

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

Flood

FEMA maps place 112 Black Oak Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

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	5 in force
Nearby Flood Claims	2 (2004)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2004 · 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 112 Black Oak 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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