Cecil County property record for 188 Spears Hill Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,360 sqft · built 1967 |
| Lot Size | 1.21 acres (52,708 sqft) |
| Owner | Company Name on File |
| Last Sale | $160,000 (Nov 2023) |
| Tax Bill | $2,496 (2025) |
| Deeds & Mortgages | Nov 2023 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-005859 |
| Primary APN | 02-005859 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,360 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 52,708 sqft (1.21 acres) |
| Patio Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 005859 |
|---|---|
| Street Address | 188 SPEARS HILL RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-8227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | 1.216 ACRE 188 SPEARS HILL ROAD N OF CHESAPEAKE CITY |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 2, CHESAPEAKE CITY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 30200 |
Source: Cecil County records · APN 02-005859
Assessment roll updated August 12, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1247 OLDFIELD POINT RD, ELKTON, MD 21921-7345 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 01, 2023 · Amount on Record |
| Deed Sale | Nov 01, 2023 · Amount on Record |
| Prior Sale | Aug 30, 2004 |
| Deed Book / Page | 5391 / 321 |
| Prior Transfer Date | Jul 30, 2004 |
| Prior Transfer Doc | 0017290176 |
| Record Updated | Sep 20, 2026 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Nov 01, 2023 |
| Property Address | 188 SPEARS HILL RD, ELKTON, MD 21921-8227 |
| Document Number | 0053910321 |
| Book / Page | 5391 / 321 |
| Instrument Date | Oct 16, 2023 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 09, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $800.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1247 OLDFIELD POINT RD, ELKTON, MD 21921-7345 |
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $234,867 (+5.5%) | $247,100 (-) Land $108,800 Building $138,300 | |
| 2025 | $2,496.00 (+49.37%) | $222,633 (+6.37%) | $247,100 (+17.44%) Land $108,800 Building $138,300 |
| 2023 | $1,671.00 | $209,300 | $210,400 Land $108,800 Building $101,600 |
Source: FEMA National Flood Hazard Layer as of May 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Talkie Communications Fiber | 10,000 / 10,000 |
| Cogeco Cable Holdings II Cable | 1,000 / 50 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Xfinity.
Based on FCC filings for 20 locations within half a mile of this property.
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