Carroll County property record for 5972 Cecil Way, Eldersburg, MD 21784
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,633 sqft · built 1998 |
| Lot Size | 0.279 acres (12,146 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Dec 2019) |
| Tax Bill | $6,995 (2026) |
| Deeds & Mortgages | Jun 2017 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-093848 |
| Primary APN | 05-093848 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,633 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,146 sqft (0.279 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 332 sqft |
| Patio Area | 113 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 093848 |
|---|---|
| Street Address | 5972 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 113 - 12146 SQ FT 5972 CECIL WAY 41-147/14 EDGEWOOD |
| Legal Subdivision | EDGEWOOD |
| Legal Lot Number | 113 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 5, FREEDOM |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 505101 |
5972 Cecil Way is owned and occupied by two individuals who bought it in December 2019.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5972 CECIL WAY, SYKESVILLE, MD 21784-8575 |
| 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.
| Date | Document |
|---|---|
| Jun 22, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Nov 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK |
| Dec 5, 2019 | Deed, Transfer · Conventional Mortgage AMERIS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2019 · Amount on File |
| Deed Sale | Dec 5, 2019 · Amount on File |
| Prior Sale | Jan 7, 1998 · Amount on File |
| Deed Book / Page | 9499 / 11 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 5972 CECIL WAY, ELDERSBURG, MD 21784-8575 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0087260219 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 8726/0219 |
| Instrument | 8726-0219 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 5972 CECIL WAY, ELDERSBURG, MD 21784-8575 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0105790002 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 10579/2 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Address | MARIETTA, GA 30067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARROLL MD |
| Recording Date | Dec 5, 2019 |
| Property Address | 5972 CECIL WAY, ELDERSBURG, MD 21784-8575 |
| Document Number | 0094990011 |
| Book / Page | 9499 / 0011 |
| Map Reference | MB LWS41 FO 147 |
| Instrument Date | Dec 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | LAKESIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5972 CECIL WAY, ELDERSBURG, MD 21784-8575 |
| Investor | Possibly a Property Investor |
| Document Number | 0000949918 |
|---|---|
| Date | Dec 5, 2019 |
| Instrument | 9499/18 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2026 property tax bill for 5972 Cecil Way was $6,995 with a homeowner's exemption, up 5.3% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,995.00 (+5.25%) Homeowner's exemption | $672,067 | $724,500 Land $200,000 Building $524,500 |
| 2025 | $6,646.00 Homeowner's exemption | ||
| 2023 | $6,053.00 Homeowner's exemption | $535,733 | $567,200 Land $180,000 Building $387,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5972 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 risk around 5972 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 278 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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