7405 Cedar Grove Ln, Elkridge, MD 21075 Property Records

Howard County property record for 7405 Cedar Grove Ln, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,344 sqft · built 1999
Lot Size	0.065 acres (2,823 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Mar 2022)
Tax Bill	$5,330 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-299921`

Property Details

APN / Parcel Number

Primary APN	`01-299921`
Alternative APN	`299921`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,344 sqft Total Area
Basement Area	460 sqft
Finished Basement	460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,823 sqft (0.065 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	32 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	299921
Street Address	7405 CEDAR GROVE LN
City	ELKRIDGE
State	MD
Zip	21075-7915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMH
Legal Description	LOT 109 2,823 SQ' 7405 CEDAR GROVE LN NEW COLONY VILLAGE
Legal Subdivision	NEW COLONY VILLAGE
Legal Lot Number	109
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2043
Census Tract	601203

Owner

7405 Cedar Grove Ln is owned by two individuals who bought it in March 2022.

Source: Howard County records, as of September 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	444 PRIME DESERT DR, EL PASO, TX 79932-2146
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC
Aug 5, 2020	Loan Modification, Mortgage · FHA Mortgage MONEY SOURCE
Dec 10, 2018	Deed, Transfer · FHA Mortgage EVOLVE BANK & TRUST
Oct 6, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2022 · Amount on File
Deed Sale	Mar 30, 2022 · Amount on File
Prior Sale	Dec 10, 2018 · Amount on File
Deed Book / Page	21432 / 474
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Mar 31, 2022
Property Address	7405 CEDAR GROVE LN, ELKRIDGE, MD 21075-7915
Document Number	0214320474
Book / Page	21432 / 474
Map Reference	PL 17327-17345
Instrument Date	Mar 21, 2022
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	LAKESIDE TITLE COMPANY INC, LAKESIDE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,387.50
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	444 PRIME DESERT DR, EL PASO, TX 79932-2146

Mortgage

Document Number	0021432480
Date	Mar 31, 2022
Instrument	21432/480

Lender

Name	FIDELITY DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HOWARD MD
Property Address	7405 CEDAR GROVE LN, ELKRIDGE, MD 21075-7915
Document Number	0198650484
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 CEDAR GROVE LN ELKRIDGE MD 210757915, ELKRIDGE, MD 21075-7915

Mortgage

Document Number	0198650484
Date	Oct 28, 2020
Book Page	019865/000484

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Dec 10, 2018
Property Address	7405 CEDAR GROVE LN, ELKRIDGE, MD 21075-7915
Document Number	0184790010
Book / Page	18479 / 010
Instrument Date	Dec 3, 2018
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	TURNKEY TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,348.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 CEDAR GROVE LN, ELKRIDGE, MD 21075-7915

Mortgage

Document Number	0001847916
Date	Dec 10, 2018
Instrument	18479/16

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7405 CEDAR GROVE LN, ELKRIDGE, MD 21075-7915
Document Number	0178780225
Book / Page	017878 / 000225
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 CEDAR GROVE LN ELKRIDGE MD 210757915, ELKRIDGE, MD 21075-7915

Mortgage

Document Number	0178780225
Date	Oct 24, 2017
Book Page	017878/000225

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Oct 23, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 7405 Cedar Grove Ln was $5,330, up 6.4% from the year before.

Source: Howard County assessment roll, as of September 4, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,330.00 (+6.43%)	$358,300 (+6.26%) Land $100,000 Building $258,300	$358,300 (-) Land $100,000 Building $258,300
2025	$5,008.00	$337,200	$358,300 Land $100,000 Building $258,300
2023		$295,000 Land $70,000 Building $225,000	$295,000 Land $70,000 Building $225,000
2022	$3,090.00

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

Flood

FEMA maps place 7405 Cedar Grove Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 31, 2023 · 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	8 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 7405 Cedar Grove Ln is low, with less than 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 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	HOWARD COUNTY D.P.W. DISTRIBUTION serves 286,158 people · EPA ID MD0130002
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2024
Lead	3 ppb (2018–2020) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Believe Broadband Fixed Wireless	500 / 100

May also be available: AT&T.

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