Cecil County property record for 32 Andover Ln, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,160 sqft · built 1973 |
| Lot Size | 0.513 acres (22,346 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,236 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-030008 |
| Primary APN | 03-030008 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,160 sqft Total Area |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,346 sqft (0.513 acres) |
| Porch | Slab |
| Porch Area | 88 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 030008 |
|---|---|
| Street Address | 32 ANDOVER LN |
| City | ELKTON |
| State | MD |
| Zip | 21921-6808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | .513 ACRE 32 ANDOVER LANE S/W OF ELKTON |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 30503 |
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 | 32 ANDOVER LN, ELKTON, MD 21921-6808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2022 |
| Deed Sale | Sep 28, 2022 |
| Prior Sale | Oct 28, 2010 · Amount on Record |
| Deed Book / Page | 5238 / 479 |
| Prior Transfer Date | Sep 13, 2022 |
| Prior Transfer Doc | 0052380479 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Sep 28, 2022 |
| Property Address | 32 ANDOVER LN, ELKTON, MD 21921-6808 |
| Document Number | 0052380479 |
| Book / Page | 5238 / 479 |
| Instrument Date | Sep 13, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | NATIONALLINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 32 ANDOVER LN, ELKTON, MD 21921-6808 |
| Document Number | 0052380486 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 5238-0486 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,236.00 (+3.23%) Homeowner's exemption | $211,033 (+6.71%) | $224,300 (-) Land $71,100 Building $153,200 |
| 2025 | $2,166.00 (+63.23%) Homeowner's exemption | $197,767 (+11.02%) | $224,300 (+21.57%) Land $71,100 Building $153,200 |
| 2023 | $1,327.00 Homeowner's exemption | $178,133 | $184,500 Land $71,100 Building $113,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 6 (1981–2020) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
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: 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Talkie Communications Fiber | 10,000 / 10,000 |
| Xfinity Cable | 1,200 / 35 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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