121 Cherry Tree Ln, Elkton, MD 21921 Property Records

Cecil County property record for 121 Cherry Tree Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,280 sqft · built 1995
Lot Size	0.352 acres (15,333 sqft)
Owner	Individual Name on Record
Last Sale	$269,000 (Jun 2019)
Tax Bill	$5,103 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-099113`

Property Details

APN / Parcel Number

Primary APN	`03-099113`
Alternative APNs	`3099113` `099113`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,280 sqft Total Area
Basement Area	819 sqft
Finished Basement	819 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,333 sqft (0.352 acres)
Garage Type	Attached
Garage Area	304 sqft
Parking Spaces	1 Parking Space
Deck Area	492 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	099113
Street Address	121 CHERRY TREE LN
City	ELKTON
State	MD
Zip	21921-5815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 61 - .352 ACRE 121 CHERRY TREE LANE WASHINGTON WOODS
Legal Subdivision	WASHINGTON WOODS
Legal Lot Number	61
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1010
Census Tract	30508

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	Individual Name on Record
Mailing Address	121 CHERRY TREE LN, ELKTON, MD 21921-5815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE LLC
Jun 17, 2019	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2019 · Amount on Record
Deed Sale	Jun 17, 2019 · Amount on Record
Prior Sale	Aug 31, 2011 · Amount on Record
Deed Book / Page	4417 / 32
Prior Transfer Date	Apr 21, 2011
Prior Transfer Doc	0030680032
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	121 CHERRY TREE LN, ELKTON, MD 21921-5815
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050880227
Date	Jan 24, 2022
Book Page	5088/227

Lender

Name	FILO MORTGAGE LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2042

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 17, 2019
Property Address	121 CHERRY TREE LN, ELKTON, MD 21921-5815
Document Number	0044170032
Book / Page	4417 / 032
Map Reference	LB 3070 FO 284
Instrument Date	Jun 8, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ARDENT TITLE COMPANY 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 in Severalty
Address	121 CHERRY TREE LN, ELKTON, MD 21921-5815

Mortgage

Document Number	0000441738
Date	Jun 17, 2019
Instrument	4417/38

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Municipality	Elkton Town
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,103.00 (+5.33%) Homeowner's exemption	$327,733 (+10.66%)	$359,300 (-) Land $85,400 Building $273,900
2025	$4,845.00 (+25.49%) Homeowner's exemption	$296,167 (+12.97%)	$359,300 (+35.79%) Land $85,400 Building $273,900
2023	$3,861.00 Homeowner's exemption	$262,167	$264,600 Land $64,100 Building $200,500

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	2 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.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ELKTON serves 15,625 people · EPA ID MD0070011
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

May also be available: Talkie Communications, Verizon.

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