116 Black Oak Dr, Elkton, MD 21921 Property Records

Cecil County property record for 116 Black Oak Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,541 sqft · built 1981
Lot Size	0.734 acres (31,990 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,666 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-026691`

Property Details

APN / Parcel Number

Primary APN	`04-026691`
Alternative APNs	`4026691` `026691`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,541 sqft Total Area
Basement Area	504 sqft
Finished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	31,990 sqft (0.734 acres)
Garage Type	Basement
Garage Area	513 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	720 sqft
Porch	Slab
Porch Area	779 sqft
Deck Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026691
Street Address	116 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 10 - .79 ACRE 116 BLACK OAK DRIVE THABAR
Legal Subdivision	THABAR
Legal Lot Number	10
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	1
Census Block	1003
Census Tract	30602

Owner

116 Black Oak Dr is owned and occupied by two individuals who acquired it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	116 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 15, 2025	Deed of Trust, Mortgage · Line of Credit POINT BREEZE CU
Apr 5, 2019	Quit Claim Deed, Transfer · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2005
Deed Sale	Oct 28, 2005
Prior Sale	Oct 28, 2005 · Amount on File
Deed Book / Page	2012 / 447
Last Transfer Date	Oct 1, 2018
Transfer Doc	0043810206
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	116 BLACK OAK DR, ELKTON, MD 21921-2022
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057120295
Date	Dec 15, 2025
Book Page	5712/295

Lender

Name	POINT BREEZE CU
Type	Credit Union
Address	HUNT VALLEY, MD 21031

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CECIL MD
Recording Date	Apr 5, 2019
Property Address	116 BLACK OAK DR, ELKTON, MD 21921-2022
Document Number	0043810206
Book / Page	004381 / 000206
Instrument Date	Oct 10, 2018
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	116 BLACK OAK DR ELKTON MD 219212022, ELKTON, MD 21921-2022

Mortgage

Document Number	43810214
Date	Apr 5, 2019
Book Page	004381/000214

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 4, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 116 Black Oak Dr was $3,666 with a homeowner's exemption, up 3.5% 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	$3,666.00 (+3.53%) Homeowner's exemption	$364,067 (+8.71%)	$422,400 (+26.13%) Land $115,900 Building $306,500
2025	$3,541.00 Homeowner's exemption	$334,900 Land $80,900 Building $254,000	$334,900 Land $80,900 Building $254,000
2023	$2,596.00 Homeowner's exemption	$300,833	$334,900 Land $80,900 Building $254,000

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

Flood

FEMA maps place 116 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 116 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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