Cecil County property record for 7 Smith Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,818 sqft · built 1960 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Nov 2009) |
| Tax Bill | $3,834 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-011252 |
| Primary APN | 04-011252 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,818 sqft Total Area |
| Basement Area | 1,332 sqft |
| Finished Basement | 1,332 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 360 sqft |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Sewer | Connected |
| Account Number | 011252 |
|---|---|
| Street Address | 7 SMITH RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-8351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | LOTS 14&15 - 2 ACRES 7 SMITH ROAD GLEN FARMS WEST |
| Legal Subdivision | GLEN FARMS |
| Legal Lot Number | 14 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 4, FAIR HILL |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 30602 |
Source: Cecil County records, as of September 21, 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 Record |
|---|---|
| Mailing Address | 7 SMITH RD, ELKTON, MD 21921-8351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT |
| Nov 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2009 · Amount on Record |
| Deed Sale | Nov 13, 2009 · Amount on Record |
| Prior Sale | Sep 21, 1995 · Amount on Record |
| Deed Document Number | 2009280238 |
| Deed Book / Page | 2743 / 426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jun 29, 2026 |
| Property Address | 7 SMITH RD, ELKTON, MD 21921-8351 |
| Document Number | 5810000204 |
| Book / Page | 5810 / 204 |
| Instrument Date | Jun 29, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 7 SMITH RD, ELKTON, MD 21921-8351 |
| Document Number | 5810000204, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 5810/204 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 1, 2066 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 7 SMITH RD, ELKTON, MD 21921-8351 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 7 SMITH RD, ELKTON, MD 21921-8351 |
| Document Number | 0050280175 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 5028/175 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 288 Months |
| Due | Nov 1, 2045 |
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,834.00 (-0.29%) | $350,800 (+0.63%) | $355,200 (+1.89%) Land $107,800 Building $247,400 |
| 2025 | $3,845.00 (+28.72%) | $348,600 (+5.27%) Land $107,800 Building $240,800 | $348,600 (-) Land $107,800 Building $240,800 |
| 2023 | $2,987.00 | $331,133 | $348,600 Land $107,800 Building $240,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 |
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.
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.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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