Cecil County property record for 123 Black Oak Dr, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,506 sqft · built 1982 |
| Lot Size | 0.633 acres (27,561 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $172,000 (Dec 1992) |
| Tax Bill | $3,461 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-025687 |
| Primary APN | 04-025687 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,506 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 27,561 sqft (0.633 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 536 sqft |
| Deck Area | 104 sqft |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 025687 |
|---|---|
| Street Address | 123 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 26 - .6327 ACRE 123 BLACK OAK DRIVE THABAR |
| Legal Lot Number | 26 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 30602 |
123 Black Oak Dr is owned and occupied by two individuals who bought it in December 1992.
Source: Cecil County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 123 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 | Dec 14, 1992 · Amount on File |
| Deed Sale | Dec 14, 1992 · Amount on File |
| Prior Sale | Jun 12, 1990 · Amount on File |
| Deed Book / Page | 414 / 714 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 123 Black Oak Dr was $3,461 with a homeowner's exemption, up 3.6% 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 | $3,461.00 (+3.56%) Homeowner's exemption | $343,767 | $400,700 Land $113,700 Building $287,000 |
| 2025 | $3,342.00 Homeowner's exemption | ||
| 2023 | $2,411.00 Homeowner's exemption | $283,633 | $315,300 Land $78,700 Building $236,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 123 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 123 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 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.
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures