50 Gammy Dr, Elkton, MD 21921 Property Records

Cecil County property record for 50 Gammy Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,576 sqft · built 1998
Lot Size	1.43 acres (62,291 sqft)
Owner	Individual Name on Record
Last Sale	$172,200 (Sep 2014)
Tax Bill	$2,864 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-106656`

Property Details

APN / Parcel Number

Primary APN	`05-106656`
Alternative APNs	`5106656` `106656`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,576 sqft Total Area
Basement Area	762 sqft
Finished Basement	762 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	62,291 sqft (1.43 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	106656
Street Address	50 GAMMY DR
City	ELKTON
State	MD
Zip	21921-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAR
Legal Description	LOT 14 - 1.433 ACRE 50 GAMMY DRIVE DEMOND VILLAGE
Legal Subdivision	DEMOND VILLAGE
Legal Lot Number	14
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	5
Census Block	5029
Census Tract	30904

Owner

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	Individual Name on Record
Mailing Address	50 GAMMY DR, ELKTON, MD 21921-1601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 23, 2020	Deed of Trust, Mortgage · Conventional with PMI MID-CONTINENT FNDG INC
Oct 30, 2019	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2014 · Amount on Record
Deed Sale	Sep 15, 2014 · Amount on Record
Prior Sale	Apr 28, 2014 · Amount on Record
Deed Book / Page	3619 / 146
Last Transfer Date	Sep 23, 2019
Transfer Doc	0044920023
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	50 GAMMY DR, ELKTON, MD 21921-1601
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 GAMMY DR, ELKTON, MD 21921-1601

Mortgage

Document Number	0052080298
Date	Jul 29, 2022
Book Page	5208/298

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	ABERDEEN, MD 21001

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	50 GAMMY DR, ELKTON, MD 21921-1601
Document Number	0047680320
Instrument Date	Dec 23, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	50 GAMMY DR ELKTON MD 219211601, ELKTON, MD 21921-1601

Mortgage

Document Number	0047680320
Date	Jan 12, 2021
Book Page	004768/000320

Lender

Name	MID-CONTINENT FNDG INC
Address	COLUMBIA, MO 65203

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Oct 30, 2019
Property Address	50 GAMMY DR, ELKTON, MD 21921-1601
Document Number	0044920023
Book / Page	4492 / 023
Map Reference	MB PC531 PG 962
Instrument Date	Sep 23, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MARVEL TITLE & ESCROW INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	50 GAMMY DR, ELKTON, MD 21921-1601

Mortgage

Document Number	0000449229
Date	Oct 30, 2019
Instrument	4492/29

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Sep 13, 2039

Tax Assessment & Valuation

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	$2,864.00 (+3.24%) Homeowner's exemption	$312,200 (+6.03%) Land $91,000 Building $221,200	$312,200 (-) Land $91,000 Building $221,200
2025	$2,774.00 (+47.79%) Homeowner's exemption	$294,433 (+13.72%)	$312,200 (+20.59%) Land $91,000 Building $221,200
2023	$1,877.00 Homeowner's exemption	$258,900 Land $91,000 Building $167,900	$258,900 Land $91,000 Building $167,900

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

Flood

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	6 in force
Nearby Flood Claims	2 (2012–2025)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2025 · rainfall accumulation

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

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 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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