33 River Rd, Elkton, MD 21921 Property Records

Cecil County property record for 33 River Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,112 sqft · built 2006
Lot Size	0.173 acres (7,521 sqft)
Owner	2 Individual Names on File
Last Sale	$699,000 (Oct 2020)
Tax Bill	$7,982 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-017814`

Property Details

APN / Parcel Number

Primary APN	`02-017814`
Alternative APNs	`2017814` `017814`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,112 sqft Total Area
Basement Area	417 sqft
Finished Basement	417 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,521 sqft (0.173 acres)
View / Lot	Waterfront
Garage Type	Basement
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	290 sqft
Deck Area	290 sqft
Patio Area	290 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	017814
Street Address	33 RIVER RD
City	ELKTON
State	MD
Zip	21921-7930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 9/PO LOT 10 & PI 33 RIVER ROAD LOCUST POINT
Legal Subdivision	GRUBB SUB LOCUST POINT
Legal Lot Number	10
Jurisdiction	CECIL MD
Township / Civil Division	2, CHESAPEAKE CITY
Census Block Group	1
Census Block	1001
Census Tract	30200

Owner

33 River Rd is owned and occupied by two individuals who bought it in October 2020.

Source: Cecil County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	33 RIVER RD, ELKTON, MD 21921-7930
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2022	Deed of Trust, Mortgage · Line of Credit APG FCU
Oct 15, 2020	Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on File
Deed Sale	Oct 15, 2020 · Amount on File
Prior Sale	Jul 27, 2005 · Amount on File
Deed Book / Page	4703 / 458
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	33 RIVER RD, ELKTON, MD 21921-7930
Transaction Type	Mortgage
Record Updated	Dec 30, 2022
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 RIVER RD, ELKTON, MD 21921-7930

Mortgage

Document Number	0052580485
Date	Nov 10, 2022
Book Page	5258/485

Lender

Name	APG FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Oct 15, 2020
Property Address	33 RIVER RD, ELKTON, MD 21921-7930
Document Number	0047030458
Book / Page	4703 / 458
Instrument Date	Sep 30, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	KIRSH TITLE SERVICES INC

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	33 RIVER RD, ELKTON, MD 21921-7930

Mortgage

Document Number	0004703462
Date	Oct 15, 2020
Instrument	4703/462

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 33 River Rd was $7,982, up 6.2% from the year before.

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	$7,982.00 (+6.2%)	$730,600	$779,900 Land $403,800 Building $376,100
2025	$7,516.00
2023	$5,861.00	$615,833	$632,000 Land $251,800 Building $380,200

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

Flood

FEMA maps place 33 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 10, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	45 (1978–2024)
Claims Outside the SFHA	4 of 45
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 26 claims

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

Wildfire risk around 33 River Rd is low, with a 0.01% annual chance of 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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