124 Bay Cir, Earleville, MD 21919 Property Records

Cecil County property record for 124 Bay Cir, Earleville, MD 21919

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,362 sqft · built 2002
Lot Size	0.482 acres (20,995 sqft)
Owner	2 Individual Names on File
Last Sale	$342,500 (Jan 2021)
Tax Bill	$4,153 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-050699`

Property Details

APN / Parcel Number

Primary APN	`01-050699`
Alternative APNs	`1050699` `050699`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,362 sqft Total Area
Basement Area	400 sqft
Finished Basement	400 sqft
Utility Area	456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,995 sqft (0.482 acres)
Garage Type	Mixed
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	656 sqft
Deck Area	448 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	050699
Street Address	124 BAY CIR
City	EARLEVILLE
State	MD
Zip	21919-2332
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 82 - .482 ACRE 124 BAY CIRCLE BAY VIEW ESTATES
Legal Subdivision	BAY CIRCLE BAY VIEW ESTATES
Legal Lot Number	82
Jurisdiction	CECIL MD
Township / Civil Division	1, CECILTON
Census Block Group	4
Census Block	4039
Census Tract	30100

Owner

124 Bay Cir is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	124 BAY CIR, EARLEVILLE, MD 21919-2332
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
Apr 24, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Oct 4, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Mar 24, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jan 29, 2021	Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Jan 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2021 · Amount on File
Deed Sale	Jan 29, 2021 · Amount on File
Prior Sale	Oct 16, 2001 · Amount on File
Deed Book / Page	4783 / 394
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	124 BAY CIR, EARLEVILLE, MD 21919-2332
Transaction Type	Mortgage
Record Updated	May 9, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 BAY CIR, EARLEVILLE, MD 21919-2332

Mortgage

Document Number	0054570129
Date	Apr 24, 2024
Book Page	5457/129

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	322 Months
Due	Feb 1, 2051

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	124 BAY CIR, EARLEVILLE, MD 21919-2332
Transaction Type	Mortgage
Record Updated	Oct 18, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 BAY CIR, EARLEVILLE, MD 21919-2332

Mortgage

Document Number	0053830119
Date	Oct 4, 2023
Book Page	5383/119

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	328 Months
Due	Feb 1, 2051

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	124 BAY CIR, EARLEVILLE, MD 21919-2332
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 BAY CIR, EARLEVILLE, MD 21919-2332

Mortgage

Document Number	0053070205
Date	Mar 24, 2023
Book Page	5307/205

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Feb 1, 2051

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 29, 2021
Property Address	124 BAY CIR, EARLEVILLE, MD 21919-2332
Document Number	0047830394
Book / Page	4783 / 394
Map Reference	CAB I FO 137
Instrument Date	Jan 8, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	KIRSH TITLE SERVICES INC

Transaction

Amount	Amount on Record
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 by the Entirety
Address	124 BAY CIR, EARLEVILLE, MD 21919-2332

Mortgage

Document Number	0004783400
Date	Jan 29, 2021
Instrument	4783/400

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	124 BAY CIR, EARLEVILLE, MD 21919-2332
Document Number	0043590475
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	124 BAY CIR EARLEVILLE MD 219192332, EARLEVILLE, MD 21919-2332

Mortgage

Document Number	0043590475
Date	Feb 8, 2019
Book Page	004359/000475

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 7, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 124 Bay Cir was $4,153 with a homeowner's exemption, up 4.9% 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	$4,153.00 (+4.9%) Homeowner's exemption	$387,867	$413,900 Land $100,400 Building $313,500
2025	$3,959.00 Homeowner's exemption
2023	$2,980.00	$327,867	$335,800 Land $83,900 Building $251,900

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

Flood

FEMA maps place 124 Bay Cir in Zone X, an area of minimal flood risk.

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

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 124 Bay Cir is low, with a 0.02% 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	0.02% 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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