Cecil County property record for 22 Hamer Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 2,843 sqft · built 2003 |
| Lot Size | 10.7 acres (466,092 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $560,000 (Aug 2017) |
| Tax Bill | $5,867 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Apr 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-039254 |
| Primary APN | 04-039254 |
|---|---|
| Alternative APNs |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,843 sqft Total Area |
| Basement Area | 843 sqft |
| Finished Basement | 843 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 466,092 sqft (10.7 acres) |
| Garage Type | Built-in |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 702 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 574 sqft |
| Patio Area | 395 sqft |
| Shed | 1 Shed |
| Shed Area | 2,400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 039254 |
|---|---|
| Street Address | 22 HAMER RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-1753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NAR |
| Legal Description | LOT 42 - 10.7 ACRES 22 HAMER ROAD BLUE BALL VILLAGE |
| Legal Subdivision | BLUE BALL VILLAGE |
| Legal Lot Number | 42 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 30601 |
Source: Cecil County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU |
| Apr 13, 2022 | Deed of Trust, Mortgage · Line of Credit APG FCU |
| Dec 7, 2021 | Deed of Trust, Mortgage · Construction Mortgage GUILD MORTGAGE CO |
| Aug 11, 2017 | Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2017 · Amount on Record |
| Deed Sale | Aug 11, 2017 · Amount on Record |
| Prior Sale | Sep 11, 2002 · Amount on Record |
| Deed Book / Page | 4114 / 429 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2025 |
| Title Company | MARVEL TITLE AND ESCROW, MARVEL TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Document Number | 0056960280 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 5696/280 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Document Number | 0051460177 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 5146/177 |
| Name | APG FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Document Number | 0050530302 |
|---|---|
| Date | Dec 7, 2021 |
| Book Page | 5053/302 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Nov 1, 2041 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Aug 11, 2017 |
| Property Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Document Number | 0041140429 |
| Book / Page | 4114 / 429 |
| Map Reference | PL445 FO788 |
| Instrument Date | Aug 4, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | KIRSH TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 22 HAMER RD, ELKTON, MD 21921-1753 |
| Document Number | 0004114433 |
|---|---|
| Date | Aug 11, 2017 |
| Instrument | 4114/433 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
Source: Cecil County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $680,300 (+16.16%) Land $149,300 Building $531,000 | $680,300 (-) Land $149,300 Building $531,000 | |
| 2025 | $5,867.00 (+32.5%) Homeowner's exemption | ||
| 2023 | $4,428.00 Homeowner's exemption | $585,633 | $680,300 Land $149,300 Building $531,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 3 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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