Cecil County property record for 44 Cherry Ln, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,040 sqft · built 1987 |
| Lot Size | 0.263 acres (11,456 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Sep 2011) |
| Tax Bill | $2,513 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-080609 |
| Primary APN | 03-080609 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,040 sqft Total Area |
| Basement Area | 780 sqft |
| Finished Basement | 780 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,456 sqft (0.263 acres) |
| Deck Area | 230 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Connected |
| Account Number | 080609 |
|---|---|
| Street Address | 44 CHERRY LN |
| City | ELKTON |
| State | MD |
| Zip | 21921-4102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | UR |
| Legal Description | LOT 21 - .264 ACRE 44 CHERRY LANE MEADOWVIEW |
| Legal Subdivision | MEADOWVIEW |
| Legal Block | H |
| Legal Lot Number | 21 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 30503 |
44 Cherry Ln is owned and occupied by two individuals who bought it in September 2011.
Source: Cecil County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 44 CHERRY LN, ELKTON, MD 21921-4102 |
| 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.
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Line of Credit APG FCU |
| May 24, 2022 | Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 8, 2011 · Amount on File |
| Deed Sale | Sep 8, 2011 · Amount on File |
| Prior Sale | May 2, 2011 · Amount on File |
| Deed Book / Page | 3074 / 26 |
| Transfer Doc | 0000253418 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 44 CHERRY LN, ELKTON, MD 21921-4102 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | GETZ TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 44 CHERRY LN, ELKTON, MD 21921-4102 |
| Document Number | 0050010031 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | 5001/31 |
| Name | APG FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 44 CHERRY LN, ELKTON, MD 21921-4102 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051710044 |
|---|---|
| Date | May 24, 2022 |
| Book Page | 5171/44 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.12% |
| Max Rate At Change | 4.12% |
| Index | Other |
| Max Rate | 5% |
The 2026 property tax bill for 44 Cherry Ln was $2,513, up 11.9% from the year before.
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,513.00 (+11.89%) | $231,800 | $284,800 Land $67,100 Building $217,700 |
| 2025 | $2,246.00 | ||
| 2023 | $1,323.00 | $183,233 | $205,300 Land $40,900 Building $164,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Cherry Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1996.
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 | 7 in force |
| Nearby Flood Claims | 6 (1996–2020) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Aug 2020 · rainfall accumulation |
| Claims by Event |
|
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 risk around 44 Cherry Ln 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELKTON WEST serves 3,500 people · EPA ID MD0070015 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Radium resolved · Oct 2016 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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