159 Riverside Dr, Elkton, MD 21921 Property Records

Cecil County property record for 159 Riverside Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,666 sqft · built 1970
Lot Size	1.59 acres (69,652 sqft)
Owner	2 Individual Names on File
Last Sale	$565,000 (May 2024)
Tax Bill	$5,271 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-010961`

Property Details

APN / Parcel Number

Primary APN	`03-010961`
Alternative APNs	`3010961` `010961`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,666 sqft Total Area
Basement Area	360 sqft
Finished Basement	360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	69,652 sqft (1.59 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Porch	Enclosed Porch
Porch Area	260 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	010961
Street Address	159 RIVERSIDE DR
City	ELKTON
State	MD
Zip	21921-5019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	LOT 18A - 1.5989 AC 159 RIVERSIDE DRIVE GILPIN FARMS
Legal Subdivision	LANDS OF JULIUS A JODLBAUER
Legal Lot Number	18A
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2036
Census Tract	30503

Owner

159 Riverside Dr is owned and occupied by two individuals who bought it in May 2024.

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 File
Mailing Address	159 RIVERSIDE DR, ELKTON, MD 21921-5019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2022	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Mar 19, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Aug 28, 2017	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Sep 13, 2019	Deed of Trust, Mortgage · VA Mortgage SUN WEST MORTGAGE COMPANY INC
Apr 28, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2024 · Amount on File
Deed Sale	May 31, 2024 · Amount on File
Prior Sale	Sep 9, 2015 · Amount on File
Deed Book / Page	5471 / 338
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	159 RIVERSIDE DR, ELKTON, MD 21921-5019
Transaction Type	Mortgage
Record Updated	Jul 13, 2022
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051960016
Date	Jul 1, 2022
Book Page	5196/16

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	159 RIVERSIDE DR, ELKTON, MD 21921-5019
Transaction Type	Mortgage
Record Updated	Jun 1, 2021
Title Company	ELEVATED NATIONAL SETTLEMENT SERVICES, ELEVATED NATL STLMT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048260001
Date	Mar 19, 2021
Book Page	4826/1

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	159 RIVERSIDE DR, ELKTON, MD 21921-5019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041220317
Date	Aug 28, 2017
Book Page	4122/317

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	159 RIVERSIDE DR, ELKTON, MD 21921-5019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044630248
Date	Sep 13, 2019
Book Page	4463/248

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	159 RIVERSIDE DR, ELKTON, MD 21921-5019
Document Number	0045990158
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 RIVERSIDE DR ELKTON MD 219215019, ELKTON, MD 21921-5019

Mortgage

Document Number	0045990158
Date	May 14, 2020
Book Page	004599/000158

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 159 Riverside Dr was $5,271, up 6.4% 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	$5,271.00 (+6.36%)	$480,600	$513,800 Land $107,700 Building $406,100
2025	$4,956.00
2023	$60.00 Disabled Person's exemption Veteran's exemption	$390,933	$411,800 Land $105,300 Building $306,500

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

Flood

FEMA maps place 159 Riverside Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (1996–2020)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 159 Riverside 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 95% of the US · lower than 90% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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