42 Lake Forest Dr, Elkton, MD 21921 Property Records

Cecil County property record for 42 Lake Forest Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,426 sqft · built 2004
Lot Size	1.46 acres (63,598 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jun 2021)
Tax Bill	$6,779 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-120535`

Property Details

APN / Parcel Number

Primary APN	`05-120535`
Alternative APNs	`5120535` `120535`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,426 sqft Total Area
Basement Area	1,700 sqft
Finished Basement	1,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	63,598 sqft (1.46 acres)
Garage Type	Mixed
Garage Area	735 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	90 sqft
Deck Area	532 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	120535
Street Address	42 LAKE FOREST DR
City	ELKTON
State	MD
Zip	21921-7636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 75 - 1.468 ACRE 42 LAKE FOREST DRIVE WOODHOLME THREE
Legal Subdivision	VILLAGES ELK NECK
Legal Lot Number	75
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	3
Census Block	3005
Census Tract	30904

Owner

42 Lake Forest Dr is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	42 LAKE FOREST DR, ELKTON, MD 21921-7636
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jun 15, 2021	Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021 · Amount on File
Deed Sale	Jun 15, 2021 · Amount on File
Prior Sale	Aug 9, 2010 · Amount on File
Deed Book / Page	4911 / 265
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	42 LAKE FOREST DR, ELKTON, MD 21921-7636
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CLA TITLE AND ESCROW, CLA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051990039
Date	Jul 11, 2022
Book Page	5199/39

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Jul 1, 2051

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 15, 2021
Property Address	42 LAKE FOREST DR, ELKTON, MD 21921-7636
Document Number	0049110265
Book / Page	4911 / 265
Map Reference	MB 983 PG 811
Instrument Date	Jun 2, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	111 LIMPKIN AVE, CLARKSBURG, MD 20871-3498

Mortgage

Document Number	0004911271
Date	Jun 15, 2021
Instrument	4911/271

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	42 LAKE FOREST DR, ELKTON, MD 21921-7636
Document Number	0046100323
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 LAKE FOREST DR ELKTON MD 219217636, ELKTON, MD 21921-7636

Mortgage

Document Number	0046100323
Date	Jun 2, 2020
Book Page	004610/000323

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

The 2026 property tax bill for 42 Lake Forest Dr was $6,779 with a homeowner's exemption, up 3.4% from the year before.

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	$6,779.00 (+3.35%) Homeowner's exemption	$677,800 Land $114,300 Building $563,500	$677,800 Land $114,300 Building $563,500
2025	$6,559.00 Homeowner's exemption
2023	$6,077.00	$544,900 Land $114,300 Building $430,600	$544,900 Land $114,300 Building $430,600

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

Flood

FEMA maps place 42 Lake Forest Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 42 Lake Forest Dr is low, with a 0.02% annual chance of 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	Direct burnable vegetation

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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Talkie Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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