Cecil County property record for 480 Willow Dr, Elkton, MD 21921
| Property Type | Townhouse |
|---|---|
| Details | 2 ba · 1,475 sqft · built 1974 |
| Lot Size | 0.133 acres (5,815 sqft) |
| Owner | Individual Name on File |
| Last Sale | $69,000 (Aug 2013) |
| Tax Bill | $1,014 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 04-009746 |
| Primary APN | 04-009746 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,475 sqft Total Area |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Townhouse |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 5,815 sqft (0.133 acres) |
| Porch | Open Porch |
| Porch Area | 375 sqft |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 009746 |
|---|---|
| Street Address | 480 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 1 - .1335 ACRE 480 WILLOW DRIVE WINDING BROOK |
| Legal Subdivision | PLAT 7 WINDING BROOK |
| Legal Lot Number | 1 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 30602 |
480 Willow Dr, a townhouse, is owned and occupied by an individual who bought it in August 2013.
Source: Cecil County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 480 WILLOW DR, ELKTON, MD 21921-4011 |
| 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 |
|---|---|
| Jun 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GOODLEAP LLC |
| Aug 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 26, 2017 | Deed of Trust, Mortgage WELLS FARGO BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2013 · Amount on File |
| Deed Sale | Aug 28, 2013 · Amount on File |
| Prior Sale | Apr 23, 2010 · Amount on File |
| Deed Book / Page | 3465 / 275 |
| Prior Transfer Date | Apr 27, 2004 |
| Prior Transfer Doc | 0000010036 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jun 24, 2026 |
| Property Address | 480 WILLOW DR, ELKTON, MD 21921-4011 |
| Document Number | 5805000499 |
| Book / Page | 5805 / 499 |
| Instrument Date | Apr 26, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 480 WILLOW DR, ELKTON, MD 21921-4011 |
| Document Number | 5805000499, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 5805/499 |
| Name | GOODLEAP LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 480 WILLOW DR, ELKTON, MD 21921-4011 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 480 WILLOW DR, ELKTON, MD 21921-4011 |
| Document Number | 0049530048 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 4953/48 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 316 Months |
| Due | Dec 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 480 WILLOW DR, ELKTON, MD 21921-4011 |
| Document Number | 0041730137 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 480 WILLOW DR ELKTON MD 219214011, ELKTON, MD 21921-4011 |
| Document Number | 0041730137 |
|---|---|
| Date | Dec 11, 2017 |
| Book Page | 004173/000137 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Dec 10, 2047 |
| Rate | 4.12% |
|---|
The 2025 property tax bill for 480 Willow Dr was $1,014 with a homeowner's exemption.
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 | $88,300 (+14.08%) | $110,100 (+42.25%) Land $31,800 Building $78,300 | |
| 2025 | $1,014.00 Homeowner's exemption | $77,400 Land $12,700 Building $64,700 | $77,400 Land $12,700 Building $64,700 |
| 2023 | $671.00 Homeowner's exemption | $62,400 | $77,400 Land $12,700 Building $64,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 480 Willow Dr in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 480 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 430 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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