21 Arundel Ln, Elkton, MD 21921 Property Records

Cecil County property record for 21 Arundel Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,268 sqft · built 1996
Lot Size	0.63 acres (27,442 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Nov 2021)
Tax Bill	$5,031 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-092566`

Property Details

APN / Parcel Number

Primary APN	`05-092566`
Alternative APNs	`5092566` `092566`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,268 sqft Total Area
Basement Area	891 sqft
Finished Basement	891 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	27,442 sqft (0.63 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	256 sqft
Deck Area	162 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	092566
Street Address	21 ARUNDEL LN
City	ELKTON
State	MD
Zip	21921-7336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 11 - .6303 ACRE 21 ARUNDEL LANE MARINERS COVE
Legal Subdivision	MARINERS COVE SEC 01
Legal Lot Number	11
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	4
Census Block	4002
Census Tract	30904

Owner

21 Arundel Ln is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	21 ARUNDEL LN, ELKTON, MD 21921-7336
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2021 · Amount on File
Deed Sale	Nov 10, 2021 · Amount on File
Prior Sale	Mar 11, 1997 · Amount on File
Deed Book / Page	5031 / 463
Record Updated	Oct 29, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Nov 10, 2021
Property Address	21 ARUNDEL LN, ELKTON, MD 21921-7336
Document Number	0050310463
Book / Page	5031 / 463
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	BROADVIEW TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	21 ARUNDEL LN, ELKTON, MD 21921-7336

Mortgage

Document Number	0050310470
Date	Nov 10, 2021
Book Page	5031/470

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 21 Arundel Ln was $5,031, up 8.3% 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	$5,031.00 (+8.33%)	$458,500 Land $83,700 Building $374,800	$458,500 Land $83,700 Building $374,800
2025	$4,644.00
2023	$3,112.00	$339,800 Land $83,700 Building $256,100	$339,800 Land $83,700 Building $256,100

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

Flood

FEMA maps place 21 Arundel Ln in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 1983.

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
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	27 (1983–2024)
Claims Outside the SFHA	2 of 27
Most Recent Claim	Aug 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 5 claims Hurricane Isabel, Sep 2003 · 13 claims

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 21 Arundel Ln is low, with 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 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	PINE HILLS serves 953 people · EPA ID MD0070019
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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