Cecil County property record for 121 Black Oak Dr, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,200 sqft · built 1977 |
| Lot Size | 0.619 acres (26,963 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $245,600 (Aug 2021) |
| Tax Bill | $3,825 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-023064 |
| Primary APN | 04-023064 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Total Area |
| Basement Area | 408 sqft |
| Finished Basement | 408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 26,963 sqft (0.619 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 844 sqft |
| Porch | Slab |
| Porch Area | 124 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 023064 |
|---|---|
| Street Address | 121 BLACK OAK DR |
| City | ELKTON |
| State | MD |
| Zip | 21921-2021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOT 27 - .619 ACRE 121 BLACK OAK DRIVE THABAR |
| Legal Subdivision | THABAR |
| Legal Lot Number | 27 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 30602 |
121 Black Oak Dr is owned and occupied by two individuals who bought it in August 2021.
Source: Cecil County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 121 BLACK OAK DR, ELKTON, MD 21921-2021 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2021 · Amount on File |
| Deed Sale | Aug 19, 2021 · Amount on File |
| Prior Sale | May 24, 2013 · Amount on File |
| Deed Book / Page | 4960 / 401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Aug 19, 2021 |
| Property Address | 121 BLACK OAK DR, ELKTON, MD 21921-2021 |
| Document Number | 0049600401 |
| Book / Page | 4960 / 401 |
| Map Reference | MB 4 FO 32 |
| Instrument Date | Aug 9, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 121 BLACK OAK DR, ELKTON, MD 21921-2021 |
| Document Number | 0004960405 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 4960/405 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
The 2026 property tax bill for 121 Black Oak Dr was $3,825, up 3.3% from the year before.
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 | $3,825.00 (+3.32%) | $349,967 | $378,700 Land $113,400 Building $265,300 |
| 2025 | $3,702.00 | ||
| 2023 | $2,872.00 | $320,733 | $335,600 Land $78,400 Building $257,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 121 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 risk around 121 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.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: Verizon.
5G and 4G LTE (outdoors only)
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