15 Locust Point Rd, Elkton, MD 21921 Property Records

Cecil County property record for 15 Locust Point Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,312 sqft · built 1951
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Aug 2012)
Tax Bill	$2,590 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit Feb 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-018098`

Property Details

APN / Parcel Number

Primary APN	`02-018098`
Alternative APNs	`2018098` `018098`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,312 sqft Total Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	30,492 sqft (0.7 acres)
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Patio Area	320 sqft
Shed	1 Shed
Shed Area	1,500 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	018098
Street Address	15 LOCUST POINT RD
City	ELKTON
State	MD
Zip	21921-7739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	.7 ACRE 15 LOCUST POINT ROAD S OF ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	2, CHESAPEAKE CITY
Census Block Group	1
Census Block	1000
Census Tract	30200

Owner

15 Locust Point Rd is owned and occupied by two individuals who acquired it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 LOCUST POINT RD, ELKTON, MD 21921-7739
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
Mar 14, 2024	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU
Feb 15, 2019	Quit Claim Deed, Transfer KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2012 · Amount on File
Deed Sale	Aug 2, 2012 · Amount on File
Deed Book / Page	3236 / 151
Last Transfer Date	Feb 5, 2019
Transfer Doc	0043620136
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	15 LOCUST POINT RD, ELKTON, MD 21921-7739
Transaction Type	Mortgage
Record Updated	Mar 27, 2024
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 LOCUST POINT RD, ELKTON, MD 21921-7739

Mortgage

Document Number	0054400354
Date	Mar 14, 2024
Book Page	5440/354

Lender

Name	ABERDEEN PROVING GROUND 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

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CECIL MD
Recording Date	Feb 15, 2019
Property Address	15 LOCUST POINT RD, ELKTON, MD 21921-7739
Document Number	0043620136
Book / Page	004362 / 000136
Instrument Date	Feb 5, 2019
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 LOCUST POINT RD ELKTON MD 219217739, ELKTON, MD 21921-7739

Tax Assessment & Valuation

The 2026 property tax bill for 15 Locust Point Rd was $2,590 with a homeowner's exemption, down 0.9% 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	$2,590.00 (-0.92%) Homeowner's exemption	$233,400 (-) Land $100,200 Building $133,200	$233,400 (-) Land $100,200 Building $133,200
2025	$2,614.00 Homeowner's exemption	$233,400 Land $100,200 Building $133,200	$233,400 Land $100,200 Building $133,200
2023	$1,883.00 Homeowner's exemption	$228,500	$233,800 Land $100,200 Building $133,600

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

Flood

FEMA maps place 15 Locust Point Rd in Zone X, an area of minimal flood risk, though there have been 45 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	45 (1978–2024)
Claims Outside the SFHA	4 of 45
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 26 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 15 Locust Point Rd 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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