Cecil County property record for 112 Winchester Dr, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,890 sqft · built 1993 |
| Lot Size | 0.168 acres (7,318 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $121,900 (Jun 1995) |
| Tax Bill | $2,829 (2026) |
| Deeds & Mortgages | Nov 2023 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-035771 |
| Primary APN | 04-035771 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,890 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,318 sqft (0.168 acres) |
| Garage Type | Mixed |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 336 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 035771 |
|---|---|
| Street Address | 112 WINCHESTER DR |
| City | ELKTON |
| State | MD |
| Zip | 21921-4048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UR |
| Legal Description | LOT 233 - .1684 ACRE 112 WINCHESTER DRIVE WEST CREEK VILLAGE |
| Legal Subdivision | WINCHESTER DRIVE WEST CREEK |
| Legal Lot Number | 233 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 30602 |
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 | 112 WINCHESTER DR, ELKTON, MD 21921-4048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jan 21, 2020 | Deed of Trust, Mortgage · FHA Mortgage SYNERGY ONE LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 1995 · Amount on Record |
| Deed Sale | Jun 26, 1995 · Amount on Record |
| Deed Book / Page | 546 / 341 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 112 WINCHESTER DR, ELKTON, MD 21921-4048 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 112 WINCHESTER DR, ELKTON, MD 21921-4048 |
| Document Number | 0053990218 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | 5399/218 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 315 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 112 WINCHESTER DR, ELKTON, MD 21921-4048 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0045370001 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 4537/001 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | LOMBARD, IL 60148 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2050 |
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,829.00 (+11.64%) | $260,933 (+21.93%) | $319,600 (+38%) Land $99,600 Building $220,000 |
| 2025 | $2,534.00 (+52.38%) | ||
| 2023 | $1,663.00 | $214,000 | $231,600 Land $60,600 Building $171,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELKTON WEST serves 3,500 people · EPA ID MD0070015 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Radium resolved · Oct 2016 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
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