Cecil County property record for 72 Irwin Ave, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,792 sqft · built 1985 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,500 (May 1990) |
| Tax Bill | $2,836 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-010880 |
| Primary APN | 03-010880 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,792 sqft Total Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 130,680 sqft (3 acres) |
| Deck Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 010880 |
|---|---|
| Street Address | 72 IRWIN AVE |
| City | ELKTON |
| State | MD |
| Zip | 21921-7753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | 3 ACRES 72 IRWIN AVENUE S/W OF ELKTON |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 30505 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within New Castle and Frenchtown Railroad Right-of-Way listed 1976 · 2 contributing resources · NRIS 76002290 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Cecil County records, as of August 18, 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 | 72 IRWIN AVE, ELKTON, MD 21921-7753 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 1990 · Amount on Record |
| Deed Sale | May 14, 1990 · Amount on Record |
| Prior Sale | Dec 28, 1984 · Amount on Record |
| Deed Book / Page | 307 / 837 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 72 IRWIN AVE, ELKTON, MD 21921-7753 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 72 IRWIN AVE, ELKTON, MD 21921-7753 |
| Document Number | 0053110211 |
|---|---|
| Date | Apr 7, 2023 |
| Book Page | 5311/211 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 5, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 72 IRWIN AVE, ELKTON, MD 21921-7753 |
| Document Number | 0042700010 |
| Instrument Date | Jul 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2018 |
| Title Company | NATIONAL LINK |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 72 IRWIN AVE ELKTON MD 219217753, ELKTON, MD 21921-7753 |
| Document Number | 0042700010 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 004270/000010 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 10, 2048 |
Source: Cecil County assessment roll, as of August 12, 2025
| 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 | $276,367 (+14.39%) | $292,900 (+20.39%) Land $101,700 Building $191,200 | |
| 2025 | $2,836.00 (+39.84%) Homeowner's exemption | ||
| 2023 | $2,028.00 Homeowner's exemption | $241,600 | $243,300 Land $101,700 Building $141,600 |
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2003–2024) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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 93% of the US · lower than 85% 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: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
May also be available: Talkie Communications.
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