129 Cherry Tree Ln, Elkton, MD 21921 Property Records

Cecil County property record for 129 Cherry Tree Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,989 sqft · built 1994
Lot Size	0.41 acres (17,859 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Oct 2023)
Tax Bill	$5,806 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-099075`

Property Details

APN / Parcel Number

Primary APN	`03-099075`
Alternative APNs	`3099075` `099075`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,989 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	17,859 sqft (0.41 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	099075
Street Address	129 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 27 - .41 ACRE 129 CHERRY TREE LANE WASHINGTON WOODS
Legal Subdivision	WASHINGTON WDS
Legal Lot Number	27
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1004
Census Tract	30508

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within New Castle and Frenchtown Railroad Right-of-Way listed 1976 · 2 contributing resources · NRIS 76002290

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	129 CHERRY TREE LN, ELKTON, MD 21921-5815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Deed, Transfer · Conventional Mortgage PIKE CREEK MORTGAGE SERVICES INC
Feb 24, 2020	Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Feb 24, 2020 · Amount on Record
Deed Book / Page	5385 / 388
Prior Transfer Date	May 23, 2012
Prior Transfer Doc	0032100473
Record Updated	Oct 29, 2026

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Oct 13, 2023
Property Address	129 CHERRY TREE LN, ELKTON, MD 21921-5815
Document Number	0053850388
Book / Page	5385 / 388
Map Reference	PC 413 FO 725
Instrument Date	Sep 15, 2023
Transaction Type	Transfer
Record Updated	Oct 25, 2023
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,125.00
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

Mortgage

Document Number	0053850395
Date	Oct 13, 2023
Instrument	5385-0395

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Feb 24, 2020
Property Address	129 CHERRY TREE LN, ELKTON, MD 21921-5815
Document Number	0045550025
Book / Page	4555 / 025
Map Reference	FO 725
Instrument Date	Feb 14, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	KIRSH TITLE SERVICES INC

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 by the Entirety
Address	129 CHERRY TREE LN, ELKTON, MD 21921-5815

Mortgage

Document Number	0000455530
Date	Feb 24, 2020
Instrument	4555/30

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

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

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	$5,806.00 (+14.47%)	$337,567 (+15.12%)	$381,900 (-) Land $86,700 Building $295,200
2025	$5,072.00 (+44.05%)	$293,233 (+20.87%)	$381,900 (+53.44%) Land $86,700 Building $295,200
2023	$3,521.00	$242,600	$248,900 Land $65,400 Building $183,500

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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