Cecil County property record for 41 River Rd, Elkton, MD 21921 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1942 |
| Square Footage | 1,236 sqft Total Area |
| Lot Size | 4,500 sqft (0.103 acres) |
| Pool | Spa/Hot Tub (Only) |
| Tax Bill | $3,974.00 (2025) |
| Primary APN | 02-019205 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,236 sqft Total Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Exterior Material | Siding Exterior |
| Construction Type | Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 4,500 sqft (0.103 acres) |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Deck Area | 432 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 108 sqft Porch |
| Boat Access | Boat Access |
| Cooling System | HVAC Cooling |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Sewage | Sewage Connected |
| Account Number | 019205 |
|---|---|
| Street Address | 41 RIVER RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-7930 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 12 - .103 ACRE 41 RIVER ROAD LOCUST POINT |
| Legal Subdivision | LOCUST POINT |
| Legal Lot Number | 12 |
| Jurisdiction | CECIL MD |
| Minor Civil Division | 2, CHESAPEAKE CITY |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 30200 |
Source: Cecil County records · APN 02-019205
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 236 MILFORD DR, MIDDLETOWN, DE 19709-9417 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC |
| Jun 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HOME MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 25, 2005 |
| Deed Sale | Aug 25, 2005 |
| Prior Sale | Aug 25, 2005 · Amount on Record |
| Deed Book / Page | 1964 / 719 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 41 RIVER RD, ELKTON, MD 21921-7930 |
| Transaction Type | Mortgage |
| Record Updated | Dec 02, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0057000128 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 5700/128 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 18, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 41 RIVER RD, ELKTON, MD 21921-7930 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0046120252 |
|---|---|
| Date | Jun 04, 2020 |
| Book Page | 4612/252 |
| Name | GUARANTY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
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 | $411,800 (+35.74%) | $465,900 (+53.46%) Land $350,500 Building $115,400 | |
| 2025 | $3,974.00 (+16.54%) | ||
| 2023 | $3,410.00 | $303,367 | $303,600 Land $213,700 Building $89,900 |
Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 8,333 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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