39 Forest Knoll Dr, Elkton, MD 21921 Property Records

Cecil County property record for 39 Forest Knoll Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 4,004 sqft · built 2001
Lot Size	2.39 acres (104,108 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Dec 2002)
Tax Bill	$4,571 (2026)
Deeds & Mortgages	Feb 2017 Mortgage Jan 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-115655`

Property Details

APN / Parcel Number

Primary APN	`05-115655`
Alternative APNs	`5115655` `115655`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,004 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	104,108 sqft (2.39 acres)
Deck Area	224 sqft
Patio Area	66 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	115655
Street Address	39 FOREST KNOLL DR
City	ELKTON
State	MD
Zip	21921-7100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 22 - 2.395 ACRES 39 FOREST KNOLL DRIVE FOREST KNOLL
Legal Subdivision	FOREST KNOLL
Legal Lot Number	22
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	3
Census Block	3005
Census Tract	30904

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	39 FOREST KNOLL DR, ELKTON, MD 21921-7100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2017	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Jan 26, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2002 · Amount on Record
Deed Sale	Dec 19, 2002 · Amount on Record
Prior Sale	Jan 30, 2001 · Amount on Record
Deed Document Number	2002258168
Deed Book / Page	1281 / 168
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	39 FOREST KNOLL DR, ELKTON, MD 21921-7100
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040290245
Date	Feb 24, 2017
Book Page	4029/245

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	39 FOREST KNOLL DR, ELKTON, MD 21921-7100
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041940387
Date	Jan 26, 2018
Book Page	4194/387

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	39 FOREST KNOLL DR, ELKTON, MD 21921-7100
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	NATIONAL LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050460387
Date	Nov 30, 2021
Book Page	5046/387

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	39 FOREST KNOLL DR, ELKTON, MD 21921-7100
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 FORESIENOLL DR, ELKTON, MD 21921

Mortgage

Document Number	0052340278
Date	Sep 19, 2022
Book Page	5234/278

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 5, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,571.00 (+3.44%) Homeowner's exemption	$466,600 (+27.94%) Land $120,600 Building $346,000	$466,600 (+27.94%) Land $120,600 Building $346,000
2025	$4,419.00 (+30.47%) Homeowner's exemption
2023	$3,387.00 Homeowner's exemption	$364,700 Land $120,600 Building $244,100	$364,700 Land $120,600 Building $244,100

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 · 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	3 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	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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