16 Oakridge Ct, Elkton, MD 21921 Property Records

Cecil County property record for 16 Oakridge Ct, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,340 sqft · built 1982
Lot Size	0.626 acres (27,268 sqft)
Owner	Individual Name on File
Tax Bill	$3,085 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-027701`

Property Details

APN / Parcel Number

Primary APN	`04-027701`
Alternative APNs	`4027701` `027701`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,340 sqft Total Area
Basement Area	936 sqft
Finished Basement	936 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Split Foyer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	27,268 sqft (0.626 acres)
Deck Area	488 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	027701
Street Address	16 OAKRIDGE CT
City	ELKTON
State	MD
Zip	21921-3928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	LOT 19 - .6263 ACRE 16 OAKRIDGE COURT OAKRIDGE
Legal Subdivision	OAKRIDGE
Legal Lot Number	19
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	2
Census Block	2015
Census Tract	30602

Owner

16 Oakridge Ct is owned and occupied by an individual who acquired it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	16 OAKRIDGE CT, ELKTON, MD 21921-3928
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 15, 2023	Deed, Transfer · Conventional Mortgage CENTRAL MORTGAGE FUNDING LLC
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit APG FCU
Feb 17, 2017	Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2025
Deed Sale	Feb 27, 2025
Prior Sale	May 15, 2023 · Amount on File
Deed Book / Page	5584 / 390
Prior Transfer Date	Jan 17, 2025
Record Updated	Oct 29, 2026

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 15, 2023
Property Address	16 OAKRIDGE CT, ELKTON, MD 21921-3928
Document Number	0053250439
Book / Page	5325 / 439
Map Reference	MB 6 FO 19
Instrument Date	May 11, 2023
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	16 OAKRIDGE CT, ELKTON, MD 21921-3928

Mortgage

Document Number	0053250444
Date	May 15, 2023
Instrument	5325-0444

Lender

Name	CENTRAL MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	16 OAKRIDGE CT, ELKTON, MD 21921-3928
Transaction Type	Mortgage
Record Updated	Jan 13, 2023
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 OAKRIDGE CT, ELKTON, MD 21921-3928

Mortgage

Document Number	0052780323
Date	Jan 3, 2023
Book Page	5278/323

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	16 OAKRIDGE CT, ELKTON, MD 21921-3928
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 OAKBRIDGE CT, ELKTON, MD 21921-3928

Mortgage

Document Number	0040260239
Date	Feb 17, 2017
Book Page	4026/239

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 15, 2032

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	16 OAKRIDGE CT, ELKTON, MD 21921-3928
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047990205
Date	Feb 22, 2021
Book Page	4799/205

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company
Address	SOUTH PORTLAND, ME 04106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 16 Oakridge Ct was $3,085, up 7% 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	$3,085.00 (+7.01%)	$281,767	$323,900 Land $65,600 Building $258,300
2025	$2,883.00
2023	$1,919.00	$234,500	$260,700 Land $65,600 Building $195,100

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

Flood

FEMA maps place 16 Oakridge Ct in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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 16 Oakridge Ct 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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