20 John Adams Ln, Elkton, MD 21921 Property Records

Cecil County property record for 20 John Adams Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,360 sqft · built 2002
Lot Size	0.197 acres (8,593 sqft)
Owner	Individual Name on File
Last Sale	$278,000 (Aug 2011)
Tax Bill	$6,056 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-111466`

Property Details

APN / Parcel Number

Primary APN	`03-111466`
Alternative APNs	`3111466` `111466`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,360 sqft Total Area
Basement Area	872 sqft
Finished Basement	872 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,593 sqft (0.197 acres)
Garage Type	Mixed
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	33 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	111466
Street Address	20 JOHN ADAMS LN
City	ELKTON
State	MD
Zip	21921-5144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 131 - .1972 ACRE 20 JOHN ADAMS LANE CLUB AT PATRIOTS GLEN
Legal Subdivision	THE CLUB AT PATRIOTS GLEN
Legal Lot Number	131
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1003
Census Tract	30507

Owner

20 John Adams Ln is owned and occupied by an individual who bought it in August 2011.

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

Owner of Record	Individual Name on File
Mailing Address	20 JOHN ADAMS LN, ELKTON, MD 21921-5144
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
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jan 11, 2022	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2011 · Amount on File
Deed Sale	Aug 24, 2011 · Amount on File
Prior Sale	Jun 11, 2003
Deed Book / Page	3066 / 484
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	20 JOHN ADAMS LN, ELKTON, MD 21921-5144
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047370232
Date	Dec 1, 2020
Book Page	4737/232

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	20 JOHN ADAMS LN, ELKTON, MD 21921-5144
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 JOHN ADAMS LN, ELKTON, MD 21921-5144

Mortgage

Document Number	0050800241
Date	Jan 11, 2022
Book Page	5080/241

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BEL AIR, MD 21014

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	263 Months
Due	Dec 27, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 20 John Adams Ln was $6,056 with a homeowner's exemption, up 4.7% from the year before.

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	$6,056.00 (+4.67%) Homeowner's exemption	$367,067	$390,600 Land $90,200 Building $300,400
2025	$5,786.00 Homeowner's exemption
2023	$4,598.00 Homeowner's exemption	$306,667	$320,000 Land $90,200 Building $229,800

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

Flood

FEMA maps place 20 John Adams Ln in Zone X, an area of minimal flood risk.

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	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 20 John Adams Ln is low, with less than 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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	Under 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 178 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: Verizon.

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