20 Lance Ct, Elkton, MD 21921 Property Records

Cecil County property record for 20 Lance Ct, Elkton, MD 21921 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,680 sqft · built 1989
Lot Size	1.55 acres (67,518 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Nov 2025)
Tax Bill	$3,976 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-087384`

Property Details

APN / Parcel Number

Primary APN	`05-087384`
Alternative APNs	`5087384` `087384`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Total Area
Basement Area	796 sqft
Finished Basement	796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	67,518 sqft (1.55 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Porch	Slab
Porch Area	120 sqft
Deck Area	415 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	087384
Street Address	20 LANCE CT
City	ELKTON
State	MD
Zip	21921-7221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 43 - 1.5507 ACRE 20 LANCE COURT PEMBREY
Legal Subdivision	PEMBREY
Legal Lot Number	43
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	4
Census Block	4018
Census Tract	30904

Owner

Source: Cecil County records · APN 05-087384

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	Individual Name on File
Mailing Address	20 LANCE CT, ELKTON, MD 21921-7221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Aug 12, 2003 · Amount on Record
Deed Book / Page	5698 / 359
Record Updated	Sep 20, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Nov 13, 2025
Property Address	20 LANCE CT, ELKTON, MD 21921-7221
Document Number	0056980359
Book / Page	5698 / 359
Map Reference	MB NDS 11 FO 95-97
Instrument Date	Oct 24, 2025
Transaction Type	Transfer
Record Updated	Dec 02, 2025
Title Company	HOLDEN TITLE AND ESCROW LLC, WOLFE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,375.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	20 LANCE CT, ELKTON, MD 21921-7221

Mortgage

Document Number	0005698366
Date	Nov 13, 2025
Instrument	5698/366

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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		$388,900 (+5.35%) Land $142,200 Building $246,700	$388,900 (-) Land $142,200 Building $246,700
2025	$3,976.00 (+32.49%) Homeowner's exemption	$369,167 (+11.97%)	$388,900 (+17.96%) Land $142,200 Building $246,700
2023	$3,001.00 Homeowner's exemption	$329,700 Land $142,200 Building $187,500	$329,700 Land $142,200 Building $187,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.