5948 Cecil Way, Eldersburg (Sykesville), MD 21784 Property Records

Carroll County property record for 5948 Cecil Way, Eldersburg, MD 21784

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,252 sqft · built 1996
Lot Size	0.428 acres (18,660 sqft)
Owner	2 Individual Names on File
Last Sale	$720,000 (Oct 2025)
Tax Bill	$7,127 (2026)
Deeds & Mortgages	Sep 2021 Mortgage May 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-090180`

Property Details

APN / Parcel Number

Primary APN	`05-090180`
Alternative APNs	`5090180` `090180`

Interior

Full Baths	4 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	2,252 sqft Total Area
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,660 sqft (0.428 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	090180
Street Address	5948 CECIL WAY
City	SYKESVILLE
State	MD
Zip	21784-8575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-200
Legal Description	LT 102 - 18660 SF 5948 CECIL WY 40-68/66 EDGEWOOD SC 4
Legal Subdivision	EDGEWOOD SEC 04
Legal Lot Number	102
Jurisdiction	CARROLL MD
Township / Civil Division	5, FREEDOM
Census Block Group	2
Census Block	2007
Census Tract	505101

Owner

5948 Cecil Way is owned and occupied by two individuals who bought it in October 2025.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5948 CECIL WAY, SYKESVILLE, MD 21784-8575
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 29, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST FINANCIAL FCU OF MARYLAND
Oct 21, 2025	Deed, Transfer · Conventional Mortgage FOUNDATION MORTGAGE CORP
Oct 16, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL FCU OF MARYLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2025 · Amount on File
Deed Sale	Oct 21, 2025 · Amount on File
Prior Sale	May 29, 2013 · Amount on File
Deed Book / Page	11592 / 400
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	5948 CECIL WAY, ELDERSBURG, MD 21784-8575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0104390110
Date	Sep 7, 2021
Book Page	10439/110

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	5948 CECIL WAY, ELDERSBURG, MD 21784-8575
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0112480237
Date	May 29, 2024
Book Page	11248/237

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	SPARKS GLENCOE, MD 21152

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2034

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Oct 21, 2025
Property Address	5948 CECIL WAY, ELDERSBURG, MD 21784-8575
Document Number	0115920400
Book / Page	11592 / 400
Map Reference	MB 40 FO 68
Instrument Date	Oct 8, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CARDINAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,600.00
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 by the Entirety
Address	5948 CECIL WAY, FUNKSTOWN, MD 21734

Mortgage

Document Number	0011592407
Date	Oct 21, 2025
Instrument	11592/407

Lender

Name	FOUNDATION MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	5948 CECIL WAY, ELDERSBURG, MD 21784-8575
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0094450271
Date	Oct 16, 2019
Book Page	9445/0271

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 15, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 5948 Cecil Way was $7,127 with a homeowner's exemption, up 6.8% from the year before.

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,127.00 (+6.77%) Homeowner's exemption	$614,667 (+7.02%)	$655,000 (-) Land $200,000 Building $455,000
2025	$6,675.00	$574,333	$655,000 Land $200,000 Building $455,000
2023	$5,800.00	$513,300	$534,000 Land $180,000 Building $354,000

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

Flood

FEMA maps place 5948 Cecil Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · 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 5 (25% premium discount)
Nearby Flood Policies	2 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 5948 Cecil Way is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FREEDOM DISTRICT serves 24,867 people · EPA ID MD0060002
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2019 Haloacetic acids resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Antietam Cable Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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