245 Red Toad Rd, North East, MD 21901 Property Records

Cecil County property record for 245 Red Toad Rd, North East, MD 21901

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,400 sqft · built 1961
Lot Size	1.35 acres (58,806 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Aug 2023)
Tax Bill	$3,412 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-044111`

Property Details

APN / Parcel Number

Primary APN	`05-044111`
Alternative APNs	`5044111` `044111`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,400 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	58,806 sqft (1.35 acres)
Deck Area	472 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	044111
Street Address	245 RED TOAD RD
City	NORTH EAST
State	MD
Zip	21901-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ST
Legal Description	1.354 ACRE 245 RED TOAD ROAD W OF NORTH EAST
Legal Subdivision	INDIAN ACRES
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	5
Census Block	5001
Census Tract	30908

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	245 RED TOAD RD, NORTH EAST, MD 21901-2608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Apr 28, 2023	Deed, Transfer EQUITABLE TITLE/FL, EQUITABLE TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Prior Sale	Apr 28, 2023 · Amount on Record
Deed Book / Page	5363 / 438
Record Updated	Oct 29, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 22, 2023
Property Address	245 RED TOAD RD, NORTH EAST, MD 21901-2608
Document Number	0053630438
Book / Page	5363 / 438
Instrument Date	Aug 11, 2023
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 RED TOAD RD, NORTH EAST, MD 21901-2608

Mortgage

Document Number	0053630443
Date	Aug 22, 2023
Instrument	5363-0443

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 28, 2023
Property Address	245 RED TOAD RD, NORTH EAST, MD 21901-2608
Document Number	0053190201
Book / Page	5319 / 201
Instrument Date	Apr 28, 2023
Transaction Type	Transfer
Record Updated	May 12, 2023
Title Company	EQUITABLE TITLE/FL, EQUITABLE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1701 SINGERLY RD, ELKTON, MD 21921-3610

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	$3,412.00 (+3.61%) Homeowner's exemption	$343,700 (+72.71%) Land $75,200 Building $268,500	$343,700 (+72.71%) Land $75,200 Building $268,500
2025	$3,293.00 (+45.9%) Homeowner's exemption
2023	$2,257.00	$199,000 Land $75,200 Building $123,800	$199,000 Land $75,200 Building $123,800

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	6 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

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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Red Toad Rd

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