Cecil County property record for 5 Smith Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,173 sqft · built 1962 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (Oct 2024) |
| Tax Bill | $3,685 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-019555 |
| Primary APN | 04-019555 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,173 sqft Total Area |
| Basement Area | 392 sqft |
| Finished Basement | 392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Built-in |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 210 sqft |
| Deck Area | 208 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 019555 |
|---|---|
| Street Address | 5 SMITH RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-8351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | PT. LOT 8 - 1 ACRE 5 SMITH ROAD GLEN FARMS |
| Legal Subdivision | GLEN FARMS |
| Legal Lot Number | 8 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 30602 |
Source: Cecil County records, as of September 21, 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 Record |
|---|---|
| Mailing Address | 5 SMITH RD, ELKTON, MD 21921-8351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC |
| Jun 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2024 · Amount on Record |
| Deed Sale | Oct 7, 2024 · Amount on Record |
| Prior Sale | Jun 28, 2016 · Amount on Record |
| Deed Book / Page | 5525 / 215 |
| Prior Transfer Date | May 7, 2015 |
| Prior Transfer Doc | 0037240059 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 5 SMITH RD, ELKTON, MD 21921-8351 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Title Company | AMC SETTLEMENT SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 530 SMITH RD, ELKTON, MD 21921 |
| Document Number | 0051670020 |
|---|---|
| Date | May 18, 2022 |
| Book Page | 5167/20 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 5 SMITH RD, ELKTON, MD 21921-8351 |
| Document Number | 0046380176 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 5 SMITH RD ELKTON MD 219218351, ELKTON, MD 21921-8351 |
| Document Number | 0046380176 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 004638/000176 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 13, 2050 |
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 | $3,685.00 (+14.26%) | $337,067 (+27.26%) | $427,200 (+46.3%) Land $120,200 Building $307,000 |
| 2025 | $3,225.00 (+43.02%) | ||
| 2023 | $2,255.00 | $264,867 | $292,000 Land $86,700 Building $205,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 2 (2004) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2004 · tidal / storm surge |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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