402 Elberta Ave, Salisbury, MD 21801 Property Records

Wicomico County property record for 402 Elberta Ave, Salisbury, MD 21801

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,193 sqft · built 1953
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Jul 2026)
Tax Bill	$1,763 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`13-006938`

Property Details

APN / Parcel Number

Primary APN	`13-006938`
Alternative APN	`006938`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,193 sqft Total Area

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Porch	Porch
Porch Area	323 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	006938
Street Address	402 ELBERTA AVE
City	SALISBURY
State	MD
Zip	21801-6826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Description	1.05AC S/S ELBERTA AVE S OF SALISBURY
Legal Subdivision	TRESCOTT JANE A
Jurisdiction	WICOMICO MD
Township / Civil Division	13, CAMDEN
Census Block Group	2
Census Block	2033
Census Tract	10400

Owner

Source: Wicomico County records, as of September 9, 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	PO BOX 55, BIVALVE, MD 21814-0055
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Oct 17, 2019	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Aug 2, 1991 · Amount on Record
Deed Book / Page	5750 / 192
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Jul 16, 2026
Property Address	402 ELBERTA AVE, SALISBURY, MD 21801-6826
Document Number	5750000192
Book / Page	5750 / 192
Instrument Date	Jul 13, 2026
Transaction Type	Transfer
Record Updated	Jul 28, 2026
Title Company	TITLE GUARANTY, TITLE RESOURCE GUARANTY COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,310.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner

Mortgage

Document Number	5750000199,
Date	Jul 16, 2026
Book Page	5750/199

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WICOMICO MD
Property Address	402 ELBERTA AVE, SALISBURY, MD 21801-6826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0045400370
Date	Oct 17, 2019
Book Page	4540/370

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Wicomico County assessment roll, as of September 9, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$218,833 (+24.88%)	$237,700 (+31.25%) Land $48,000 Building $189,700
2025	$1,763.00 (+0.92%) Homeowner's exemption
2023	$1,747.00 Homeowner's exemption	$175,233	$181,100 Land $48,000 Building $133,100

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 April 28, 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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	4 (2012–2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jul 2017 · other causes

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 96% of the US · lower than 92% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SALISBURY serves 30,343 people · EPA ID MD0220004
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 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: Glo Fiber, Verizon.

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