Cecil County property record for 40 Cambridge Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,187 sqft · built 1981 |
| Lot Size | 0.623 acres (27,137 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,900 (Dec 1988) |
| Tax Bill | $2,997 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-026950 |
| Primary APN | 04-026950 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,187 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 27,137 sqft (0.623 acres) |
| Garage Type | Basement |
| Garage Area | 651 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 48 sqft |
| Deck Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 026950 |
|---|---|
| Street Address | 40 CAMBRIDGE RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-2625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 25 - .623 ACRE 40 CAMBRIDGE DRIVE SURREY RIDGE |
| Legal Subdivision | SECTION 2 SURREY RDG |
| Legal Lot Number | 25 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30601 |
Source: Cecil County records, as of August 18, 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 | 40 CAMBRIDGE RD, ELKTON, MD 21921-2625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 1988 · Amount on Record |
| Deed Sale | Dec 16, 1988 · Amount on Record |
| Prior Sale | Jul 15, 1985 · Amount on Record |
| Deed Book / Page | 256 / 211 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 40 CAMBRIDGE RD, ELKTON, MD 21921-2625 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0040830344 |
|---|---|
| Date | Jun 19, 2017 |
| Book Page | 4083/344 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Cecil County assessment roll, as of August 12, 2025
| 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 | $286,767 (+12.08%) | $319,900 (+18.39%) Land $121,800 Building $198,100 | |
| 2025 | $2,997.00 (+42.24%) Homeowner's exemption | ||
| 2023 | $2,107.00 Homeowner's exemption | $255,867 | $270,200 Land $78,000 Building $192,200 |
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 | 4 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 140 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 |
| Armstrong Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures