230 Rhett Ln, Elkton, MD 21921 Property Records

Cecil County property record for 230 Rhett Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,088 sqft · built 1975
Lot Size	0.604 acres (26,325 sqft)
Owner	Individual Name on Record
Last Sale	$433,000 (May 2024)
Tax Bill	$3,116 (2026)
Deeds & Mortgages	May 2024 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-015231`

Property Details

APN / Parcel Number

Primary APN	`04-015231`
Alternative APNs	`4015231` `015231`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,088 sqft Total Area
Basement Area	648 sqft
Finished Basement	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,325 sqft (0.604 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	015231
Street Address	230 RHETT LN
City	ELKTON
State	MD
Zip	21921-2058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 44 - .6 ACRE 230 RHETT LANE TARA
Legal Subdivision	TARA
Legal Lot Number	44
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	1
Census Block	1014
Census Tract	30602

Owner

Source: Cecil County records, as of September 21, 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 Record
Mailing Address	230 RHETT LN, ELKTON, MD 21921-2058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2024	Deed, Transfer · Conventional Mortgage FRANKLIN MINT FCU
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage WILLMINGTON SAVINGS FUND SOCIETY FSB
Sep 14, 2021	Deed of Trust, Mortgage · Line of Credit WILMINGTON SAVINGS FUND SOCIETY FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2024 · Amount on Record
Deed Sale	May 6, 2024 · Amount on Record
Prior Sale	Dec 8, 2005 · Amount on Record
Deed Book / Page	5461 / 389
Record Updated	Oct 29, 2026

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 6, 2024
Property Address	230 RHETT LN, ELKTON, MD 21921-2058
Document Number	0054610389
Book / Page	5461 / 389
Map Reference	MB WAS 4 PL 28
Instrument Date	Apr 29, 2024
Transaction Type	Transfer
Record Updated	May 17, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,082.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 RHETT LN, ELKTON, MD 21921-2058

Mortgage

Document Number	0054610395
Date	May 6, 2024
Instrument	5461-0395

Lender

Name	FRANKLIN MINT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Change Frequency	6 Months
Min Rate At Change	4%
Max Rate At Change	8%
Index	SOFR Average 30-Day
Max Rate	11%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	230 RHETT LN, ELKTON, MD 21921-2058
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	ARDENT TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047840286
Date	Feb 3, 2021
Book Page	4784/286

Lender

Name	WILLMINGTON SAVINGS FUND SOCIETY FSB
Address	WAYNE, PA 19087

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	230 RHETT LN, ELKTON, MD 21921-2058
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 RHETT LN, ELKTON, MD 21921-2058

Mortgage

Document Number	0049780297
Date	Sep 14, 2021
Book Page	4978/297

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$3,116.00 (+3.62%) Homeowner's exemption	$314,533 (+22.05%)	$399,400 (+46.78%) Land $111,100 Building $288,300
2025	$3,007.00 (+43.67%) Homeowner's exemption
2023	$2,093.00 Homeowner's exemption	$257,700	$272,100 Land $77,600 Building $194,500

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

Flood

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	5 in force
Nearby Flood Claims	2 (2004)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2004 · tidal / storm surge

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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