23 John Adams Ln, Elkton, MD 21921 Property Records

Cecil County property record for 23 John Adams Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,852 sqft · built 2001
Lot Size	0.325 acres (14,168 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Sep 2022)
Tax Bill	$5,899 (2026)
Deeds & Mortgages	Sep 2022 Sale Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-111539`

Property Details

APN / Parcel Number

Primary APN	`03-111539`
Alternative APNs	`3111539` `111539`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,852 sqft Total Area
Basement Area	840 sqft
Finished Basement	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,168 sqft (0.325 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Deck Area	66 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	111539
Street Address	23 JOHN ADAMS LN
City	ELKTON
State	MD
Zip	21921-5143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 124 - .3252 ACRE 23 JOHN ADAMS LANE CLUB AT PATRIOTS GLEN
Legal Subdivision	CLUB PATRIOTS GLEN PH 01
Legal Lot Number	124
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1003
Census Tract	30507

Owner

23 John Adams Ln is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 JOHN ADAMS LN, ELKTON, MD 21921-5143
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
Sep 8, 2022	Deed, Transfer KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELEM SERVICING LLC
Jun 18, 2019	Deed, Transfer · Conventional Mortgage CU MEMBERS MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on File
Deed Sale	Sep 8, 2022 · Amount on File
Prior Sale	Jun 18, 2019 · Amount on File
Deed Book / Page	5229 / 167
Record Updated	Oct 29, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Sep 8, 2022
Property Address	23 JOHN ADAMS LN, ELKTON, MD 21921-5143
Document Number	0052290167
Book / Page	5229 / 167
Map Reference	CAB 869 FO 584
Instrument Date	Aug 31, 2022
Transaction Type	Transfer
Record Updated	Sep 16, 2022
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

Amount	Amount 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 by the Entirety
Address	23 JOHN ADAMS LN, ELKTON, MD 21921-5143

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	23 JOHN ADAMS LN, ELKTON, MD 21921-5143
Document Number	0047250127
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Nov 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	23 JOHN ADAMS LN ELKTON MD 219215143, ELKTON, MD 21921-5143

Mortgage

Document Number	0047250127
Date	Nov 12, 2020
Book Page	004725/000127

Lender

Name	BELEM SERVICING LLC
Address	619 S BLUFF ST, ST GEORGE, UT 84770-3853

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 18, 2019
Property Address	23 JOHN ADAMS LN, ELKTON, MD 21921-5143
Document Number	0044170306
Book / Page	4417 / 306
Map Reference	PC 869 FO 584
Instrument Date	May 31, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KIRSH TITLE SERVICES INC

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 by the Entirety
Address	23 JOHN ADAMS LN, ELKTON, MD 21921-5143

Mortgage

Document Number	0004417311
Date	Jun 18, 2019
Instrument	4417/311

Lender

Name	CU MEMBERS MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 23 John Adams Ln was $5,899, up 5% 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	$5,899.00 (+4.96%)	$343,000	$361,100 Land $93,000 Building $268,100
2025	$5,620.00
2023	$4,434.00	$295,067	$306,800 Land $93,000 Building $213,800

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

Flood

FEMA maps place 23 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 23 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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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.

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 147 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: T-Mobile, Verizon.

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