231 Rhett Ln, Elkton, MD 21921 Property Records

Cecil County property record for 231 Rhett Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,148 sqft · built 1974
Lot Size	0.534 acres (23,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,900 (May 2021)
Tax Bill	$3,036 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-000862`

Property Details

APN / Parcel Number

Primary APN	`04-000862`
Alternative APNs	`4000862` `000862`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,148 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	23,265 sqft (0.534 acres)
Garage Type	Mixed
Garage Area	264 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	76 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	000862
Street Address	231 RHETT LN
City	ELKTON
State	MD
Zip	21921-2059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 22 - .533 ACRE 231 RHETT LANE TARA
Legal Subdivision	TARA SEC 2
Legal Lot Number	22
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	1
Census Block	1011
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	2 Individual Names on Record
Mailing Address	231 RHETT LN, ELKTON, MD 21921-2059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage · Line of Credit DOVER FCU
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit DOVER FCU
Feb 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 13, 2021	Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Prior Sale	Dec 14, 2006 · Amount on Record
Deed Book / Page	4880 / 297
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	231 RHETT LN, ELKTON, MD 21921-2059
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057470185
Date	Mar 6, 2026
Book Page	5747/185

Lender

Name	DOVER FCU
Type	Credit Union
Address	DOVER, DE 19904

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	231 RHETT LN, ELKTON, MD 21921-2059
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 SILVER LAKE BLVD, DOVER, DE 19904-2411

Mortgage

Document Number	0052780077
Date	Jan 3, 2023
Book Page	5278/77

Lender

Name	DOVER FCU
Type	Credit Union
Address	DOVER, DE 19904

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	231 RHETT LN, ELKTON, MD 21921-2059
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	RESIDENTIAL T&E CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 RHETT LN, ELKTON, MD 21921-2059

Mortgage

Document Number	0051070379
Date	Feb 16, 2022
Book Page	5107/379

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	48431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 13, 2021
Property Address	231 RHETT LN, ELKTON, MD 21921-2059
Document Number	0048800297
Book / Page	4880 / 297
Instrument Date	Apr 2, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	RESIDENTIAL TITLE COMPANY, RESIDENTIAL T&E CO

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	231 RHETT LN, ELKTON, MD 21921-2059

Mortgage

Document Number	0004880304
Date	May 13, 2021
Instrument	4880/304

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

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	$3,036.00 (+3.62%) Homeowner's exemption	$291,533 (+16.12%)	$344,600 (+30.04%) Land $109,600 Building $235,000
2025	$2,930.00 (+39.39%) Homeowner's exemption
2023	$2,102.00	$251,067	$265,000 Land $76,100 Building $188,900

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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