138 Cherry Tree Ln, Elkton, MD 21921 Property Records

Cecil County property record for 138 Cherry Tree Ln, Elkton, MD 21921

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,308 sqft · built 1996
Lot Size	0.071 acres (3,092 sqft)
Owner	2 Individual Names on File
Last Sale	$161,000 (Jun 2009)
Tax Bill	$3,024 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-099563`

Property Details

APN / Parcel Number

Primary APN	`03-099563`
Alternative APNs	`3099563` `099563`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,308 sqft Total Area
Basement Area	324 sqft
Finished Basement	324 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	3,092 sqft (0.071 acres)
Deck Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	099563
Street Address	138 CHERRY TREE LN
City	ELKTON
State	MD
Zip	21921-5812
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LOT 172 - .071 ACRE 138 CHERRY TREE LANE WASHINGTON WOODS
Legal Subdivision	WASHINGTON WOODS
Legal Lot Number	172
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1011
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

138 Cherry Tree Ln, a townhouse, is owned and occupied by two individuals who acquired it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	138 CHERRY TREE LN, ELKTON, MD 21921-5812
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
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit APG FCU
May 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ABERDEEN PROVING GROUND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2009 · Amount on File
Deed Sale	Jun 24, 2009 · Amount on File
Prior Sale	Mar 13, 2000 · Amount on File
Deed Document Number	2009279369
Deed Book / Page	2667 / 382
Last Transfer Date	Feb 19, 2021
Transfer Doc	0048790284
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	138 CHERRY TREE LN, ELKTON, MD 21921-5812
Transaction Type	Mortgage
Record Updated	Dec 29, 2022
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CHERRY TREE LN, ELKTON, MD 21921-5812

Mortgage

Document Number	0052570495
Date	Nov 7, 2022
Book Page	5257/495

Lender

Name	APG FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	May 13, 2021
Property Address	138 CHERRY TREE LN, ELKTON, MD 21921-5812
Document Number	0048790284
Book / Page	4879 / 284
Map Reference	CAB 413 FO 725
Instrument Date	Feb 19, 2021
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NOT AVAILABLE, KEY TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	138 CHERRY TREE LN, ELKTON, MD 21921-5812

Mortgage

Document Number	0004879290
Date	May 13, 2021
Instrument	4879/290

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 138 Cherry Tree Ln was $3,024 with a homeowner's exemption, up 5.3% from the year before.

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	$3,024.00 (+5.33%) Homeowner's exemption	$203,933 (+13.07%)	$227,500 (-) Land $68,000 Building $159,500
2025	$2,871.00 Homeowner's exemption	$180,367	$227,500 Land $68,000 Building $159,500
2023	$1,963.00 Homeowner's exemption	$153,100	$156,800 Land $40,000 Building $116,800

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

Flood

FEMA maps place 138 Cherry Tree Ln 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
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

Wildfire risk around 138 Cherry Tree Ln 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	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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