40 Middlecroft Rd, Elkton, MD 21921 Property Records

Cecil County property record for 40 Middlecroft Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,737 sqft · built 1983
Lot Size	2.73 acres (118,919 sqft)
Owner	Individual Name on File
Last Sale	$399,000 (Jun 2019)
Tax Bill	$4,726 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-025059`

Property Details

APN / Parcel Number

Primary APN	`04-025059`
Alternative APNs	`4025059` `025059`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,737 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	118,919 sqft (2.73 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	680 sqft
Porch	Slab
Porch Area	262 sqft
Deck Area	176 sqft
Bath House	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	025059
Street Address	40 MIDDLECROFT RD
City	ELKTON
State	MD
Zip	21921-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 3 - 2.735 ACRES 40 MIDDLECROFT ROAD MIDDLECROFT
Legal Subdivision	MIDDLECROFT
Legal Lot Number	3
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	1
Census Block	1011
Census Tract	30601

Owner

Source: Cecil County records · APN 04-025059

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	40 MIDDLECROFT RD, ELKTON, MD 21921-2306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANWISE FINANCIAL LLC
Jan 25, 2022	Gift Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 28, 2019	Deed, Transfer · Conventional Mortgage ABERDEEN PROVING GROUND FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Jun 21, 2011 · Amount on Record
Deed Book / Page	4425 / 1
Last Transfer Date	Nov 29, 2021
Transfer Doc	0050910447
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	40 MIDDLECROFT RD, ELKTON, MD 21921-2306
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040490349
Date	Apr 11, 2017
Book Page	4049/349

Lender

Name	LOANWISE FINANCIAL LLC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Jan 01, 2032

January 2022: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	CECIL MD
Recording Date	Jan 25, 2022
Property Address	40 MIDDLECROFT RD, ELKTON, MD 21921-2306
Document Number	0050910447
Book / Page	5091 / 447
Map Reference	MB WAS 5 FO 14
Instrument Date	Nov 29, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	VISIONET SYSTEMS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MIDDLECROFT RD, ELKTON, MD 21921-2306

Mortgage

Document Number	0005091454
Date	Jan 25, 2022
Instrument	5091/454

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 28, 2019
Property Address	40 MIDDLECROFT RD, ELKTON, MD 21921-2306
Document Number	0044250001
Book / Page	4425 / 001
Map Reference	MB WAS 5 FO 14
Instrument Date	Jun 20, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	KIRSH TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	40 MIDDLECROFT RD, ELKTON, MD 21921-2306

Mortgage

Document Number	0000044256
Date	Jun 28, 2019
Instrument	4425/6

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

Tax Assessment & Valuation

Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$460,233 (+0.86%)	$468,100 (+2.59%) Land $110,100 Building $358,000
2025	$4,726.00 (+27.76%) Homeowner's exemption	$456,300 (+11.43%) Land $110,100 Building $346,200	$456,300 (-) Land $110,100 Building $346,200
2023	$3,699.00 Homeowner's exemption	$409,500	$456,300 Land $110,100 Building $346,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Armstrong Holdings Cable	1,000 / 20

May also be available: Verizon.

Based on FCC filings for 49 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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