4377 Telegraph Rd, Elkton, MD 21921 Property Records

Cecil County property record for 4377 Telegraph Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,526 sqft · built 1980
Lot Size	3.87 acres (168,577 sqft)
Owner	2 Individual Names on File
Last Sale	$269,000 (Jul 2018)
Tax Bill	$3,328 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-026187`

Property Details

APN / Parcel Number

Primary APN	`04-026187`
Alternative APNs	`4026187` `026187`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,526 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	168,577 sqft (3.87 acres)
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026187
Street Address	4377 TELEGRAPH RD
City	ELKTON
State	MD
Zip	21921-1936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 1A -3.8711 ACRES 4377 TELEGRAPH ROAD FAIR OVERLEA
Legal Subdivision	FAIR OVERLEA
Legal Lot Number	1A
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	2
Census Block	2003
Census Tract	30601

Owner

Source: Cecil County records · APN 04-026187

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	4377 TELEGRAPH RD, ELKTON, MD 21921-1936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 18, 2019	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC
Jul 03, 2018	Grant Deed, Transfer · FHA Mortgage ATLANTIC HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 03, 2018 · Amount on Record
Deed Sale	Jul 03, 2018 · Amount on Record
Prior Sale	Feb 14, 1980 · Amount on Record
Deed Book / Page	4267 / 417
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	4377 TELEGRAPH RD, ELKTON, MD 21921-1936
Transaction Type	Mortgage
Record Updated	May 02, 2022
Title Company	BATTERS LAW TTL & STLMT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0047150001
Date	Oct 29, 2020
Book Page	4715/1

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	4377 TELEGRAPH RD, ELKTON, MD 21921-1936
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050790011
Date	Jan 10, 2022
Book Page	5079/11

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	4377 TELEGRAPH RD, ELKTON, MD 21921-1936
Document Number	0044460140
Instrument Date	Jul 18, 2019
Transaction Type	Mortgage
Record Updated	Aug 23, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4377 TELEGRAPH RD ELKTON MD 219211936, ELKTON, MD 21921-1936

Mortgage

Document Number	0044460140
Date	Aug 14, 2019
Book Page	004446/000140

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Jul 03, 2018
Property Address	4377 TELEGRAPH RD, ELKTON, MD 21921-1936
Document Number	0042670417
Book / Page	004267 / 000417
Instrument Date	Jun 29, 2018
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$269.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4377 TELEGRAPH RD ELKTON MD 219211936, ELKTON, MD 21921-1936

Mortgage

Document Number	42670427
Date	Jul 03, 2018
Book Page	004267/000427

Lender

Name	ATLANTIC HM LOANS
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 02, 2048

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		$304,533 (+9.7%)	$308,400 (+1.92%) Land $115,200 Building $193,200
2025	$3,328.00 (+38.32%) Homeowner's exemption
2023	$2,406.00 Homeowner's exemption	$277,600	$302,600 Land $115,200 Building $187,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cecil County (24015C), as of May 10, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240150306012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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	4 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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)
Xfinity Fiber	2,000 / 2,000
Armstrong Holdings Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA, Talkie Communications.

Based on FCC filings for 26 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Telegraph Rd

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