123 Cherry Tree Ln, Elkton, MD 21921 Property Records

Cecil County property record for 123 Cherry Tree Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,180 sqft · built 1995
Lot Size	0.354 acres (15,420 sqft)
Owner	Individual Name on Record
Last Sale	$237,100 (Apr 2017)
Tax Bill	$5,161 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-099083`

Property Details

APN / Parcel Number

Primary APN	`03-099083`
Alternative APNs	`3099083` `099083`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,180 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 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	15,420 sqft (0.354 acres)
Garage Type	Mixed
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	099083
Street Address	123 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 30 - .354 ACRE 123 CHERRY TREE LANE WASHINGTON WOODS
Legal Subdivision	WASHINGTON WOODS
Legal Lot Number	30
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1004
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	123 CHERRY TREE LN, ELKTON, MD 21921-5815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 17, 2017	Grant Deed, Transfer · Conventional with PMI HOME PT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2017 · Amount on Record
Deed Sale	Apr 14, 2017 · Amount on Record
Prior Sale	Mar 10, 2011 · Amount on Record
Deed Book / Page	4051 / 410
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	123 CHERRY TREE LN, ELKTON, MD 21921-5815
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046240103
Date	Jun 23, 2020
Book Page	4624/103

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Apr 17, 2017
Property Address	123 CHERRY TREE LN, ELKTON, MD 21921-5815
Document Number	0040510410
Book / Page	004051 / 000410
Instrument Date	Mar 30, 2017
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	123 CHERRY TREE LN ELKTON MD 219215815, ELKTON, MD 21921-5815

Mortgage

Document Number	40510415
Date	Apr 17, 2017
Book Page	004051/000415

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2047

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	$5,161.00 (+1%)	$300,067 (+24.91%)	$328,900 (+35.68%) Land $85,500 Building $243,400
2025	$4,692.00 (+34.83%)
2023	$3,480.00	$240,233	$242,400 Land $64,200 Building $178,200

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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