54 Oakridge Ct, Elkton, MD 21921 Property Records

Cecil County property record for 54 Oakridge Ct, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,340 sqft · built 1981
Lot Size	4.33 acres (188,615 sqft)
Owner	Individual Name on File
Last Sale	$433,000 (Jun 2026)
Tax Bill	$3,346 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-027582`

Property Details

APN / Parcel Number

Primary APN	`04-027582`
Alternative APNs	`4027582` `027582`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,340 sqft Total Area
Basement Area	936 sqft
Finished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	188,615 sqft (4.33 acres)
Deck Area	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	027582
Street Address	54 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 14 -4.3302 ACRES 54 OAKRIDGE COURT OAKRIDGE
Legal Subdivision	OAKRIDGE
Legal Lot Number	14
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	2
Census Block	2009
Census Tract	30602

Owner

54 Oakridge Ct is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	54 OAKRIDGE CT, ELKTON, MD 21921-3928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 22, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Nov 22, 2022	Deed, Transfer · Conventional Mortgage SUN EAST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on File
Deed Sale	Jun 22, 2026 · Amount on File
Prior Sale	Nov 22, 2022 · Amount on File
Deed Book / Page	5804 / 261
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 22, 2026
Property Address	54 OAKRIDGE CT, ELKTON, MD 21921-3928
Document Number	5804000261
Book / Page	5804 / 261
Instrument Date	Jun 5, 2026
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	KIRK TITLE, KIRSH TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$437,330.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 OAKRIDGE CT, ELKTON, MD 21921-3928

Mortgage

Document Number	5804000266,
Date	Jun 22, 2026
Book Page	5804/266

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Nov 22, 2022
Property Address	54 OAKRIDGE CT, ELKTON, MD 21921-3928
Document Number	0052630138
Book / Page	5263 / 138
Map Reference	MB NDS 6 FO 19
Instrument Date	Nov 14, 2022
Transaction Type	Transfer
Record Updated	Dec 30, 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	$1,750.00
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 in Severalty
Address	54 OAKRIDGE CT, ELKTON, MD 21921-3928

Mortgage

Document Number	0052630142
Date	Nov 22, 2022
Instrument	5263-0142

Lender

Name	SUN EAST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6%
Index	12-Month MTA
Margin	2
Max Rate	10%

Tax Assessment & Valuation

The 2026 property tax bill for 54 Oakridge Ct was $3,346, up 4.6% 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	$3,346.00 (+4.6%)	$305,867 (+5.62%)	$338,400 (+16.85%) Land $107,000 Building $231,400
2025	$3,199.00	$289,600 Land $103,600 Building $186,000	$289,600 Land $103,600 Building $186,000
2023	$2,253.00	$264,733	$289,600 Land $103,600 Building $186,000

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

Flood

FEMA maps place 54 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 54 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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