43 Cambridge Rd, Elkton, MD 21921 Property Records

Cecil County property record for 43 Cambridge Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,164 sqft · built 1981
Lot Size	0.507 acres (22,084 sqft)
Owner	2 Individual Names on Record
Last Sale	$132,000 (Jun 1994)
Tax Bill	$3,112 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-026861`

Property Details

APN / Parcel Number

Primary APN	`04-026861`
Alternative APNs	`4026861` `026861`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,164 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	22,084 sqft (0.507 acres)
Garage Type	Basement
Garage Area	628 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	44 sqft
Deck Area	244 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026861
Street Address	43 CAMBRIDGE RD
City	ELKTON
State	MD
Zip	21921-2627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 67 - .507 ACRE 43 CAMBRIDGE ROAD SURREY RIDGE
Legal Subdivision	SURREY RIDGE
Legal Lot Number	67
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	2
Census Block	2009
Census Tract	30601

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	43 CAMBRIDGE RD, ELKTON, MD 21921-2627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 1994 · Amount on Record
Deed Sale	Jun 29, 1994 · Amount on Record
Prior Sale	Oct 31, 1983 · Amount on Record
Deed Book / Page	500 / 150
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Apr 14, 2026
Property Address	43 CAMBRIDGE RD, ELKTON, MD 21921-2627
Document Number	5768000373
Book / Page	5768 / 373
Instrument Date	Apr 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5768000373,
Date	Apr 14, 2026
Book Page	5768/373

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2056

Interest

Rate	6%
Max Rate	-1%

Tax Assessment & Valuation

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	$3,112.00 (+5.14%)	$281,533 (+6.24%)	$314,600 (+18.72%) Land $119,300 Building $195,300
2025	$2,960.00 (+38.97%)	$265,000 (+5.63%) Land $75,500 Building $189,500	$265,000 (-) Land $75,500 Building $189,500
2023	$2,130.00	$250,867	$265,000 Land $75,500 Building $189,500

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 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.

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	0.01% 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 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