138 Long Dr, Elkton, MD 21921 Property Records

Cecil County property record for 138 Long Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,046 sqft · built 1997
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on File
Last Sale	$414,000 (Sep 2020)
Tax Bill	$4,522 (2026)
Deeds & Mortgages	May 2018 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-097684`

Property Details

APN / Parcel Number

Primary APN	`03-097684`
Alternative APNs	`3097684` `097684`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,046 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	55,757 sqft (1.28 acres)
Garage Type	Basement
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	56 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	097684
Street Address	138 LONG DR
City	ELKTON
State	MD
Zip	21921-3691
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 33 - 1.286 ACRE 138 LONG DRIVE WEDGEWOOD HILLS
Legal Subdivision	WEDGEWOOD HILLS
Legal Lot Number	33
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2007
Census Tract	30501

Owner

138 Long Dr is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	138 LONG DR, ELKTON, MD 21921-3691
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
May 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 2, 2020	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2020 · Amount on File
Deed Sale	Sep 2, 2020 · Amount on File
Prior Sale	Jul 2, 1997 · Amount on File
Deed Book / Page	4671 / 260
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	138 LONG DR, ELKTON, MD 21921-3691
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042400405
Date	May 9, 2018
Book Page	4240/405

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Sep 2, 2020
Property Address	138 LONG DR, ELKTON, MD 21921-3691
Document Number	0046710260
Book / Page	4671 / 260
Map Reference	PC 259 FO 418
Instrument Date	Aug 26, 2020
Transaction Type	Transfer
Record Updated	May 2, 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	138 LONG DR, ELKTON, MD 21921-3691

Mortgage

Document Number	0004671265
Date	Sep 2, 2020
Instrument	4671/265

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 138 Long Dr was $4,522 with a homeowner's exemption, up 1.2% 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	$4,522.00 (+1.23%) Homeowner's exemption	$411,533	$418,400 Land $94,500 Building $323,900
2025	$4,467.00 Homeowner's exemption
2023	$3,469.00 Homeowner's exemption	$374,367	$408,100 Land $94,500 Building $313,600

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

Flood

FEMA maps place 138 Long Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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 Claims	3 (1996–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2011 · Hurricane Irene
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims

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 Long 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Talkie Communications.

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