22 Arundel Ln, Elkton, MD 21921 Property Records

Cecil County property record for 22 Arundel Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,856 sqft · built 1989
Lot Size	3.01 acres (131,116 sqft)
Owner	2 Individual Names on File
Last Sale	$402,000 (Jun 2019)
Tax Bill	$4,800 (2026)
Deeds & Mortgages	Oct 2017 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-093503`

Property Details

APN / Parcel Number

Primary APN	`05-093503`
Alternative APNs	`5093503` `093503`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,856 sqft Total Area
Basement Area	675 sqft
Finished Basement	675 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	131,116 sqft (3.01 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	120 sqft
Deck Area	418 sqft
Shed	1 Shed
Shed Area	384 sqft
Bath House	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	093503
Street Address	22 ARUNDEL LN
City	ELKTON
State	MD
Zip	21921-7337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 4 - 3.0135 ACRES 22 ARUNDEL LANE MARESFIELD
Legal Subdivision	MARESFIELD
Legal Lot Number	4
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	4
Census Block	4002
Census Tract	30904

Owner

22 Arundel Ln is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 ARUNDEL LN, ELKTON, MD 21921-7337
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
Oct 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage WILMINGTON SAVINGS FUND SOCIETY FSB
Jun 17, 2019	Deed, Transfer · ARM HOWARD BANK
Sep 29, 2017	Quit Claim Deed, Transfer KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2019 · Amount on File
Deed Sale	Jun 17, 2019 · Amount on File
Prior Sale	Apr 29, 2005 · Amount on File
Deed Book / Page	4417 / 139
Prior Transfer Date	Sep 7, 2017
Prior Transfer Doc	0041380124
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	22 ARUNDEL LN, ELKTON, MD 21921-7337
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041400040
Date	Oct 3, 2017
Book Page	4140/040

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank
Address	WAYNE, PA 19087

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 17, 2019
Property Address	22 ARUNDEL LN, ELKTON, MD 21921-7337
Document Number	0044170139
Book / Page	4417 / 139
Map Reference	CAB NDS 59 FO 89
Instrument Date	Jun 14, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LIBERTY TITLE SERVICES LLC

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
Address	22 ARUNDEL LN, ELKTON, MD 21921-7337

Mortgage

Document Number	0004417150
Date	Jun 17, 2019
Instrument	4417/150

Lender

Name	HOWARD BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2034
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	8.87%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CECIL MD
Recording Date	Sep 29, 2017
Property Address	22 ARUNDEL LN, ELKTON, MD 21921-7337
Document Number	0041380124
Book / Page	004138 / 000124
Instrument Date	Sep 7, 2017
Transaction Type	Transfer
Record Updated	Nov 21, 2017
Title Company	KIRSH TITLE SERVICES, KIRSH TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 ARUNDEL LN ELKTON MD 219217337, ELKTON, MD 21921-7337

Tax Assessment & Valuation

The 2026 property tax bill for 22 Arundel Ln was $4,800 with a homeowner's exemption, up 3.3% 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	$4,800.00 (+3.31%) Homeowner's exemption	$474,300 (+6.71%) Land $101,800 Building $372,500	$474,300 (-) Land $101,800 Building $372,500
2025	$4,646.00 Homeowner's exemption	$444,467	$474,300 Land $101,800 Building $372,500
2023	$3,609.00	$384,800 Land $101,800 Building $283,000	$384,800 Land $101,800 Building $283,000

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

Flood

FEMA maps place 22 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 22 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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