386 Muddy Ln, Elkton, MD 21921 Property Records

Cecil County property record for 386 Muddy Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,200 sqft · built 1968
Lot Size	0.689 acres (30,000 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Jan 2019)
Tax Bill	$2,443 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-014908`

Property Details

APN / Parcel Number

Primary APN	`03-014908`
Alternative APNs	`3014908` `014908`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	30,000 sqft (0.689 acres)
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	014908
Street Address	386 MUDDY LN
City	ELKTON
State	MD
Zip	21921-5118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	.6887 ACRE 386 MUDDY LANE N/E OF ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2011
Census Tract	30507

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	386 MUDDY LN, ELKTON, MD 21921-5118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PIKE CREEK MORTGAGE SERVICES INC
Jan 30, 2019	Deed, Transfer · Conventional Mortgage PIKE CREEK MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2019 · Amount on Record
Deed Sale	Jan 30, 2019 · Amount on Record
Deed Book / Page	4356 / 15
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	386 MUDDY LN, ELKTON, MD 21921-5118
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047050070
Date	Oct 16, 2020
Book Page	4705/70

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company
Address	NEWARK, DE 19711

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 30, 2019
Property Address	386 MUDDY LN, ELKTON, MD 21921-5118
Document Number	0043560015
Book / Page	4356 / 015
Instrument Date	Jan 18, 2019
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KRISH TITLE SERVICES INC

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 MUDDY LN, ELKTON, MD 21921-5118

Mortgage

Document Number	0000435621
Date	Jan 30, 2019
Instrument	4356/21

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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	$2,443.00 (+5.85%)	$219,833 (+19.3%)	$234,200 (+22.55%) Land $75,000 Building $159,200
2025	$2,308.00 (+65.45%)
2023	$1,395.00	$184,267	$191,100 Land $75,000 Building $116,100

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.02% 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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