5787 Telegraph Rd, Elkton, MD 21921 Property Records

Cecil County property record for 5787 Telegraph Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,080 sqft · built 1987
Lot Size	1.04 acres (45,651 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Mar 2021)
Tax Bill	$3,537 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Oct 2020 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`04-030222`

Property Details

APN / Parcel Number

Primary APN	`04-030222`
Alternative APNs	`4030222` `030222`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,080 sqft Total Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	45,651 sqft (1.04 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	030222
Street Address	5787 TELEGRAPH RD
City	ELKTON
State	MD
Zip	21921-2949
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	LOT 1 - 1.048 ACRE 5787 TELEGRAPH ROAD E OF APPLETON
Legal Subdivision	CHAMBERS RONALD
Legal Lot Number	1
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	1
Census Block	1009
Census Tract	30602

Owner

Source: Cecil County records · APN 04-030222

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	5787 TELEGRAPH RD, ELKTON, MD 21921-2949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP
Oct 19, 2020	Grant Deed, Transfer · Construction Mortgage ROGER MORAN

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 11, 2021 · Amount on Record
Deed Sale	Mar 11, 2021 · Amount on Record
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Book / Page	4819 / 90
Prior Transfer Date	Jan 22, 2016
Prior Transfer Doc	0038500038
Record Updated	Sep 20, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Mar 11, 2021
Property Address	5787 TELEGRAPH RD, ELKTON, MD 21921-2949
Document Number	0048190090
Book / Page	4819 / 90
Map Reference	LB CMN4705 FO 422
Instrument Date	Feb 26, 2021
Transaction Type	Transfer
Record Updated	May 02, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5787 TELEGRAPH RD, ELKTON, MD 21921-2949

Mortgage

Document Number	0000481997
Date	Mar 11, 2021
Instrument	4819/97

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Oct 19, 2020
Property Address	5787 TELEGRAPH RD, ELKTON, MD 21921-2949
Document Number	0047050422
Book / Page	004705 / 000422
Instrument Date	Oct 12, 2020
Transaction Type	Transfer
Record Updated	Nov 03, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5787 TELEGRAPH RD ELKTON MD 219212949, ELKTON, MD 21921-2949

Mortgage

Document Number	47050429
Date	Oct 19, 2020
Book Page	004705/000429

Lender

Name	ROGER MORAN
Address	1 FOUNTAIN PLZ, ELKTON, MD

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 18, 2021

Tax Assessment & Valuation

Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$343,400 (+4.98%)	$376,000 (+14.95%) Land $87,000 Building $289,000
2025	$3,537.00 (+41.03%) Homeowner's exemption	$327,100 (+13.67%) Land $87,000 Building $240,100	$327,100 (-) Land $87,000 Building $240,100
2023	$2,508.00	$287,767	$327,100 Land $87,000 Building $240,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Cable	1,200 / 35
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 47 locations within half a mile of this property.

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