5541 N Upper Ferry Rd, Salisbury, MD 21801 Property Records

Wicomico County property record for 5541 N Upper Ferry Rd, Salisbury, MD 21801

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,380 sqft · built 1994
Lot Size	0.591 acres (25,748 sqft)
Owner	Individual Name on File
Last Sale	$169,000 (Oct 2017)
Tax Bill	$1,623 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-070133`

Property Details

APN / Parcel Number

Primary APN	`09-070133`
Alternative APN	`070133`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	25,748 sqft (0.591 acres)
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	070133
Street Address	5541 N UPPER FERRY RD
City	SALISBURY
State	MD
Zip	21801-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BL A L 4-25,748 SQFT 5541 UPPER FERRY RD CEDARCREST SEC 2
Legal Subdivision	CEDARCREST
Legal Block	A
Legal Lot Number	4
Jurisdiction	WICOMICO MD
Township / Civil Division	9, SALISBURY
Census Block Group	3
Census Block	3023
Census Tract	10300

Owner

5541 N Upper Ferry Rd is owned and occupied by an individual who bought it in October 2017.

Source: Wicomico County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	5541 N UPPER FERRY RD, SALISBURY, MD 21801-2302
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND
Jan 24, 2023	Intrafamily Transfer, Transfer
Oct 26, 2017	Deed, Transfer · Conventional Mortgage FIRST HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2017 · Amount on File
Deed Sale	Oct 26, 2017 · Amount on File
Prior Sale	Mar 5, 1999 · Amount on File
Deed Document Number	20174244-119
Deed Book / Page	4244 / 119
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WICOMICO MD
Property Address	5541 N UPPER FERRY RD, SALISBURY, MD 21801-2302
Transaction Type	Mortgage
Record Updated	Feb 6, 2023
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048800206
Date	Jun 17, 2021
Book Page	4880/206

Lender

Name	STATE EMPLOYEES CU OF MARYLAND
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WICOMICO MD
Recording Date	Jan 24, 2023
Property Address	5541 N UPPER FERRY RD, SALISBURY, MD 21801-2302
Document Number	0052090366
Book / Page	5209 / 366
Map Reference	CAB 7 FO 126-503
Instrument Date	Jan 24, 2023
Transaction Type	Transfer
Record Updated	Feb 6, 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	Tenants by the Entirety
Address	5541 N UPPER FERRY RD, SALISBURY, MD 21801-2302

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WICOMICO MD
Recording Date	Oct 26, 2017
Property Address	5541 N UPPER FERRY RD, SALISBURY, MD 21801-2302
Document Number	0042440119
Book / Page	4244 / 119
Map Reference	CAB7 FO126-503
Instrument Date	Oct 18, 2017
Instrument	4244-119
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5541M N UPPER FERRY RD, SALISBURY, MD 21801-2302

Mortgage

Document Number	4244126
Date	Oct 26, 2017
Instrument	4244-126

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5541 N Upper Ferry Rd was $1,623 with a homeowner's exemption.

Source: Wicomico County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Wicomico County
Unified School District	Wicomico County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$188,600 Land $39,400 Building $149,200	$188,600 Land $39,400 Building $149,200
2025	$1,623.00 Homeowner's exemption
2023	$1,525.00 Homeowner's exemption	$152,900 Land $39,400 Building $113,500	$152,900 Land $39,400 Building $113,500

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

Flood

FEMA maps place 5541 N Upper Ferry Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective April 28, 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
Flood Insurance Cost	Premium on File median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Jan 2010 · 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

Wildfire risk around 5541 N Upper Ferry Rd is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · above 91% of Maryland
Wildfire Likelihood	0.1% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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