55 Plum Point Rd, Elkton, MD 21921 Property Records

Cecil County property record for 55 Plum Point Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,680 sqft · built 1987
Lot Size	2.39 acres (104,108 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (May 2017)
Tax Bill	$3,387 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-073146`

Property Details

APN / Parcel Number

Primary APN	`05-073146`
Alternative APNs	`5073146` `073146`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,680 sqft Total Area
Basement Area	800 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	104,108 sqft (2.39 acres)
Porch	Slab
Porch Area	590 sqft
Deck Area	212 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	073146
Street Address	55 PLUM POINT RD
City	ELKTON
State	MD
Zip	21921-7320
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 65 - 2.399 ACRES 55 PLUM POINT ROAD WOODCREST SHORES
Legal Subdivision	WOODCREST SHORES DEVELOPMENT
Legal Lot Number	65
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	4
Census Block	4002
Census Tract	30904

Owner

Source: Cecil County assessment roll, as of August 12, 2025

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 File
Mailing Address	55 PLUM POINT RD, ELKTON, MD 21921-7320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Deed of Trust, Mortgage MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Jun 28, 2023	Intrafamily Transfer, Transfer
May 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 4, 2017 · Amount on Record
Deed Sale	May 4, 2017 · Amount on Record
Prior Sale	Jun 21, 1996 · Amount on Record
Deed Book / Page	4060 / 80
Last Transfer Date	Jun 8, 2023
Transfer Doc	0053430013
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	55 PLUM POINT RD, ELKTON, MD 21921-7320
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056720492
Date	Sep 18, 2025
Book Page	5672/492

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Amount	Amount Recorded

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Jun 28, 2023
Property Address	55 PLUM POINT RD, ELKTON, MD 21921-7320
Document Number	0053430013
Book / Page	5343 / 13
Instrument Date	Jun 8, 2023
Transaction Type	Transfer
Record Updated	Jul 13, 2023

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	Joint Tenants with Right of Survivorship
Address	55 PLUM POINT RD, ELKTON, MD 21921-7320

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CECIL MD
Recording Date	May 4, 2017
Property Address	55 PLUM POINT RD, ELKTON, MD 21921-7320
Document Number	0040600080
Book / Page	004060 / 000080
Instrument Date	Apr 29, 2017
Transaction Type	Transfer
Record Updated	Jul 26, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 PLUM POINT RD ELKTON MD 219217320, ELKTON, MD 21921-7320

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of August 12, 2025

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		$335,900 (+5.91%) Land $100,600 Building $235,300	$335,900 (-) Land $100,600 Building $235,300
2025	$3,387.00 (+38.3%) Homeowner's exemption	$317,167 (+13.4%)	$335,900 (+20.09%) Land $100,600 Building $235,300
2023	$2,449.00 (-21.3%) Homeowner's exemption	$279,700 (+1.21%) Land $100,600 Building $179,100	$279,700 (-) Land $100,600 Building $179,100
2022	$3,112.00 Homeowner's exemption	$276,367	$279,700 Land $100,600 Building $179,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	36 in force
Nearby Flood Claims	27 (1983–2024)
Claims Outside the SFHA	2 of 27
Most Recent Claim	Aug 2024 · tidal / storm surge
Claims by Event	Hurricane Sandy, Oct 2012 · 5 claims Hurricane Isabel, Sep 2003 · 13 claims

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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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