152 McCleary Rd, Elkton, MD 21921 Property Records

Cecil County property record for 152 McCleary Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,112 sqft · built 1966
Lot Size	0.88 acres (38,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Jan 2022)
Tax Bill	$3,648 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-012798`

Property Details

APN / Parcel Number

Primary APN	`04-012798`
Alternative APNs	`4012798` `012798`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,112 sqft Total Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	38,332 sqft (0.88 acres)
Deck Area	448 sqft
Patio Area	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	012798
Street Address	152 MCCLEARY RD
City	ELKTON
State	MD
Zip	21921-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	.88 ACRE 152 MCCLEARY ROAD S OF FAIR HILL
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	2
Census Block	2010
Census Tract	30601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	152 MCCLEARY RD, ELKTON, MD 21921-2525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed, Transfer · VA Mortgage PHILADELPHIA MORTGAGE ADVISORS INC
Mar 4, 2021	Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Aug 6, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2022 · Amount on Record
Deed Sale	Jan 19, 2022 · Amount on Record
Prior Sale	Mar 4, 2021 · Amount on Record
Deed Book / Page	5084 / 144
Transfer Doc	0008970275
Record Updated	Oct 29, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 19, 2022
Property Address	152 MCCLEARY RD, ELKTON, MD 21921-2525
Document Number	0050840144
Book / Page	5084 / 144
Instrument Date	Dec 30, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KIRCH TITLE SERVICES INC, 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	152 MCCLEARY RD, ELKTON, MD 21921-2525

Mortgage

Document Number	0005084149
Date	Jan 19, 2022
Instrument	5084/149

Lender

Name	PHILADELPHIA MORTGAGE ADVISORS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Mar 4, 2021
Property Address	152 MCCLEARY RD, ELKTON, MD 21921-2525
Document Number	0048140017
Book / Page	4814 / 17
Instrument Date	Feb 23, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LIBERTY TITLE, LIBERTY TITLE SERVICE LLC

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
Address	152 MCCLEARY RD, ELKTON, MD 21921-2525

Mortgage

Document Number	0000481426
Date	Mar 4, 2021
Instrument	4814/26

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Aug 6, 2020
Property Address	152 MCCLEARY RD, ELKTON, MD 21921-2525
Document Number	0046510213
Book / Page	004651 / 000213
Instrument Date	Jul 31, 2020
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	152 MCCLEARY RD ELKTON MD 219212525, ELKTON, MD 21921-2525

Tax Assessment & Valuation

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	$3,648.00 (+1.22%)	$330,933 (+2.17%)	$345,000 (+6.51%) Land $77,100 Building $267,900
2025	$3,604.00 (+77.01%)	$323,900 (+33.64%) Land $77,100 Building $246,800	$323,900 (-) Land $77,100 Building $246,800
2023	$2,036.00	$242,367	$323,900 Land $77,100 Building $246,800

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 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	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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	1,200 / 35
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: Armstrong, Talkie Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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