48 Oakridge Ct, Elkton, MD 21921 Property Records

Cecil County property record for 48 Oakridge Ct, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,182 sqft · built 1981
Lot Size	4.39 acres (191,228 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Jul 2021)
Tax Bill	$3,446 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Dec 2020 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`04-027264`

Property Details

APN / Parcel Number

Primary APN	`04-027264`
Alternative APNs	`4027264` `027264`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,182 sqft Total Area
Basement Area	776 sqft
Finished Basement	776 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	191,228 sqft (4.39 acres)
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	027264
Street Address	48 OAKRIDGE CT
City	ELKTON
State	MD
Zip	21921-3928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	LOT 15 -4.3949 ACRES 48 OAKRIDGE COURT OAKRIDGE
Legal Subdivision	OAKRIDGE
Legal Lot Number	15
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	2
Census Block	2009
Census Tract	30602

Owner

48 Oakridge Ct is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 OAKRIDGE CT, ELKTON, MD 21921-3928
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 30, 2021	Deed, Transfer · Conventional Mortgage FULTON BANK NA
Dec 18, 2020	Grant Deed, Transfer ARDENT TITLE COMPANY LLC, ARDENT TITLE CO LLC
Jun 6, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 14, 2017	Deed of Trust, Mortgage · Line of Credit AMERICAN SPIRIT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Dec 18, 2020 · Amount on File
Deed Book / Page	4945 / 199
Prior Transfer Date	May 24, 2019
Prior Transfer Doc	0044110107
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jul 30, 2021
Property Address	48 OAKRIDGE CT, ELKTON, MD 21921-3928
Document Number	0049450199
Book / Page	4945 / 199
Map Reference	CAB NDS 6 FO 19
Instrument Date	Jul 23, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

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	48 OAKRIDGE CT, ELKTON, MD 21921-3928

Mortgage

Document Number	0004945204
Date	Jul 30, 2021
Instrument	4945/204

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

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

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Dec 18, 2020
Property Address	48 OAKRIDGE CT, ELKTON, MD 21921-3928
Document Number	0047500189
Book / Page	004750 / 000189
Instrument Date	Dec 8, 2020
Transaction Type	Transfer
Record Updated	Jan 29, 2021
Title Company	ARDENT TITLE COMPANY LLC, ARDENT TITLE CO LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 OAKRIDGE CT ELKTON MD 219213928, ELKTON, MD 21921-3928

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CECIL MD
Recording Date	Jun 6, 2019
Property Address	48 OAKRIDGE CT, ELKTON, MD 21921-3928
Document Number	0044110107
Book / Page	004411 / 000107
Instrument Date	May 24, 2019
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	48 OAKRIDGE CT ELKTON MD 219213928, ELKTON, MD 21921-3928

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	48 OAKRIDGE CT, ELKTON, MD 21921-3928
Document Number	0041880032
Book / Page	004188 / 000032
Instrument Date	Nov 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 22, 2018
Title Company	KERIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 OAKRIDGE CT ELKTON MD 219213928, ELKTON, MD 21921-3928

Mortgage

Document Number	0041880032
Date	Jan 10, 2018
Book Page	004188/000032

Lender

Name	AMERICAN SPIRIT FCU
Type	Credit Union
Address	NEVARK, DE 19711

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 9, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 48 Oakridge Ct was $3,446, down 0.5% 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	$3,446.00 (-0.49%)	$315,100 (+0.45%)	$317,900 (+1.34%) Land $104,200 Building $213,700
2025	$3,463.00	$313,700 Land $104,200 Building $209,500	$313,700 Land $104,200 Building $209,500
2023	$2,044.00	$245,767	$313,700 Land $104,200 Building $209,500

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

Flood

FEMA maps place 48 Oakridge Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 10, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

Wildfire risk around 48 Oakridge Ct 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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