166 Cherry Tree Ln, Elkton, MD 21921 Property Records

Cecil County property record for 166 Cherry Tree Ln, Elkton, MD 21921

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,310 sqft · built 1999
Lot Size	0.046 acres (2,007 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Dec 2022)
Tax Bill	$2,900 (2026)
Deeds & Mortgages	Apr 2024 Second Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-105865`

Property Details

APN / Parcel Number

Primary APN	`03-105865`
Alternative APNs	`3105865` `105865`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,310 sqft Total Area
Basement Area	486 sqft
Finished Basement	486 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,007 sqft (0.046 acres)
Deck Area	180 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	105865
Street Address	166 CHERRY TREE LN
City	ELKTON
State	MD
Zip	21921-5813
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LOT 158 - .046 ACRE 166 CHERRY TREE LANE WASHINGTON WOODS
Legal Subdivision	WASHINGTON WOODS SEC 03
Legal Lot Number	158
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1004
Census Tract	30508

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within New Castle and Frenchtown Railroad Right-of-Way listed 1976 · 2 contributing resources · NRIS 76002290

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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	Individual Name on File
Mailing Address	166 CHERRY TREE LN, ELKTON, MD 21921-5813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Dec 28, 2022	Deed, Transfer · FHA Mortgage MERIDIAN BANK
Jun 22, 2018	Loan Modification, Mortgage · FHA Mortgage JPMORGAN CHASE BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2022 · Amount on File
Deed Sale	Dec 28, 2022 · Amount on File
Prior Sale	Oct 4, 2004 · Amount on File
Deed Book / Page	5276 / 362
Prior Transfer Date	Sep 23, 2008
Prior Transfer Doc	0025560013
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	166 CHERRY TREE LN, ELKTON, MD 21921-5813
Transaction Type	Mortgage
Record Updated	Apr 19, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 CHERRY TREE LN, ELKTON, MD 21921-5813

Mortgage

Document Number	0054480157
Date	Apr 3, 2024
Book Page	5448/157

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	345 Months
Due	Jan 1, 2053

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Dec 28, 2022
Property Address	166 CHERRY TREE LN, ELKTON, MD 21921-5813
Document Number	0052760362
Book / Page	5276 / 362
Map Reference	MB PC583 FO 1
Instrument Date	Dec 9, 2022
Transaction Type	Transfer
Record Updated	Jan 9, 2023
Title Company	ENDEAVOR TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$562.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 CHERRY TREE LN, ELKTON, MD 21921-5813

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052760368
Date	Dec 28, 2022
Instrument	5276-0368

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CECIL MD
Property Address	166 CHERRY TREE LN, ELKTON, MD 21921-5813
Document Number	0042730142
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 CHERRY TREE LN ELKTON MD 219215813, ELKTON, MD 21921-5813

Mortgage

Document Number	0042730142
Date	Jul 18, 2018
Book Page	004273/000142

Lender

Name	JPMORGAN CHASE BK NA
Address	MONROE, LA 71203

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2048

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Municipality	Elkton Town
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,900.00 (+5.3%) Homeowner's exemption	$191,267 (+11.96%)	$211,700 (-) Land $68,000 Building $143,700
2025	$2,754.00 (+50.66%) Homeowner's exemption	$170,833 (+17.55%)	$211,700 (+40.76%) Land $68,000 Building $143,700
2023	$1,828.00	$145,333	$150,400 Land $40,000 Building $110,400

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
Nearby Flood Policies	2 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ELKTON serves 15,625 people · EPA ID MD0070011
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

May also be available: Talkie Communications, Verizon.

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