Cecil County property record for 446 Willow Dr, Elkton, MD 21921
| Property Type | Townhouse |
|---|---|
| Details | 2 ba · 1,260 sqft · built 1974 |
| Lot Size | 0.051 acres (2,221 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,900 (May 2026) |
| Tax Bill | $1,219 (2026) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Feb 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-002318 |
| Primary APN | 04-002318 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Total Area |
| Utility Area | 35 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Townhouse |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 2,221 sqft (0.051 acres) |
| Porch | Porch |
| Porch Area | 150 sqft |
| Patio Area | 81 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 002318 |
|---|---|
| Street Address | 446 WILLOW DR |
| City | ELKTON |
| State | MD |
| Zip | 21921-4011 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | UR |
| Legal Description | LOT 18 - .051 ACRE 446 WILLOW DRIVE WINDING BROOK |
| Legal Subdivision | WINDING BROOK |
| Legal Lot Number | 18 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 30602 |
446 Willow Dr, a townhouse, is owned and occupied by an individual who bought it in May 2026.
Source: Cecil County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 446 WILLOW DR, ELKTON, MD 21921-4011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| May 26, 2026 | Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Feb 11, 2022 | Deed, Transfer REGIS TITLE LLC, RGS TITLE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on File |
| Deed Sale | May 26, 2026 · Amount on File |
| Prior Sale | Feb 11, 2022 · Amount on File |
| Deed Book / Page | 5790 / 368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | May 26, 2026 |
| Property Address | 446 WILLOW DR, ELKTON, MD 21921-4011 |
| Document Number | 5790000368 |
| Book / Page | 5790 / 368 |
| Instrument Date | May 13, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jun 4, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $171,599.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 446 WILLOW DR, ELKTON, MD 21921-4011 |
| Document Number | 5790000374, |
|---|---|
| Date | May 26, 2026 |
| Book Page | 5790/374 |
| Name | MOVEMENT MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Feb 11, 2022 |
| Property Address | 446 WILLOW DR, ELKTON, MD 21921-4011 |
| Document Number | 0051020460 |
| Book / Page | 5102 / 460 |
| Instrument Date | Jan 21, 2022 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | REGIS TITLE LLC, RGS TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9690 DEERECO RD STE 820, 820, TIMONIUM, MD 21093-6930 |
The 2026 property tax bill for 446 Willow Dr was $1,219, up 14.1% 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 | $1,219.00 (+14.14%) | $82,400 (+21.35%) | $111,400 (+64.06%) Land $31,800 Building $79,600 |
| 2025 | $1,068.00 | $67,900 Land $12,700 Building $55,200 | $67,900 Land $12,700 Building $55,200 |
| 2023 | $1,116.00 | $52,367 | $67,900 Land $12,700 Building $55,200 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 446 Willow Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 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 risk around 446 Willow Dr is low, with a 0.01% 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 | 0.01% 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 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
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