Cecil County property record for 305 Cherry Hill Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,519 sqft · built 1892 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $289,000 (Dec 2022) |
| Tax Bill | $2,283 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2022 Second Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-023419 |
| Primary APN | 03-023419 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,519 sqft Total Area |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1892 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 326 sqft |
| Deck Area | 844 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 023419 |
|---|---|
| Street Address | 305 CHERRY HILL RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-2708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Description | LOTS 4&5 - .34 ACRE 305 CHERRY HILL ROAD N OF ELKTON |
| Legal Subdivision | CHERRY HILL VILLAGE |
| Legal Lot Number | 4,5 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 30501 |
Source: Cecil County records · APN 03-023419
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES OF AMERICA |
| Dec 21, 2022 | Deed, Transfer · FHA Mortgage CONTOUR MORTGAGE CORP |
| Dec 11, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 02, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Sep 28, 2018 | Deed, Transfer · FHA Mortgage PIKE CREEK MORTGAGE SERVICES INC |
| Jun 21, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 21, 2022 · Amount on Record |
| Deed Sale | Dec 21, 2022 · Amount on Record |
| Prior Sale | Sep 28, 2018 · Amount on Record |
| Deed Book / Page | 5274 / 324 |
| Prior Transfer Date | Jun 14, 2018 |
| Prior Transfer Doc | 0049150295 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0050480110 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 5048/110 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Mar 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Title Company | GUARANTEED TRUST TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0051450068 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 5145/68 |
| Name | UNITED STATES OF AMERICA |
|---|---|
| Type | Government Agency |
| Address | ABERDEEN, MD 21001 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 04, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Dec 21, 2022 |
| Property Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Document Number | 0052740324 |
| Book / Page | 5274 / 324 |
| Map Reference | LB 4 FO 48 |
| Instrument Date | Nov 18, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2023 |
| Title Company | ENDEAVOR TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $722.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Document Number | 0052740332 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 5274-0332 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2052 |
| Document Number | 0052740352 |
|---|---|
| Date | Dec 21, 2022 |
| Book Page | 5274/352 |
| Name | CONTOUR MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | GARDEN CITY, NY 11530 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045120259 |
|---|---|
| Date | Dec 11, 2019 |
| Book Page | 4512/259 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Document Number | 0046780310 |
| Instrument Date | Sep 02, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 305 CHERRY HI RD ELKTON MD 21921, ELKTON, MD 21921 |
| Document Number | 0046780310 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | 004678/000310 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 14, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Sep 28, 2018 |
| Property Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Document Number | 0043050482 |
| Book / Page | 4305 / 482 |
| Map Reference | LB AWM4 FO48 |
| Instrument Date | Sep 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | ALLSTATES TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Document Number | 0004305490 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 4305/490 |
| Name | PIKE CREEK MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jun 21, 2021 |
| Property Address | 305 CHERRY HILL RD, ELKTON, MD 21921-2708 |
| Document Number | 0049150295 |
| Book / Page | 4915 / 295 |
| Map Reference | LB AWM 4 FFO 48 |
| Instrument Date | Jun 14, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $232,567 (+8.07%) | $267,300 (+24.21%) Land $49,400 Building $217,900 | |
| 2025 | $2,283.00 (+60.55%) Homeowner's exemption | $215,200 (+11.97%) Land $44,900 Building $170,300 | $215,200 (-) Land $44,900 Building $170,300 |
| 2023 | $1,422.00 (-30.12%) | $192,200 (+6.36%) | $215,200 (+19.09%) Land $44,900 Building $170,300 |
| 2022 | $2,035.00 | $180,700 Land $44,900 Building $135,800 | $180,700 Land $44,900 Building $135,800 |
Source: FEMA National Flood Hazard Layer as of May 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1996–2011) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2011 · Hurricane Irene |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Talkie Communications Fiber | 10,000 / 10,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 206 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELKTON WEST serves 3,500 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Radium resolved · Oct 2016 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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