7412 Cedar Grove Ln, Elkridge, MD 21075 Property Records

Howard County property record for 7412 Cedar Grove Ln, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,468 sqft · built 1999
Lot Size	0.044 acres (1,938 sqft)
Owner	2 Individual Names on File
Last Sale	$284,900 (Apr 2019)
Tax Bill	$4,803 (2026)
Deeds & Mortgages	May 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-299700`

Property Details

APN / Parcel Number

Primary APN	`01-299700`
Alternative APN	`299700`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,468 sqft Total Area
Basement Area	370 sqft
Finished Basement	370 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,938 sqft (0.044 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	299700
Street Address	7412 CEDAR GROVE LN
City	ELKRIDGE
State	MD
Zip	21075-7916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMH
Legal Description	LOT 89 1,938 SQ' 7412 CEDAR GROVE LN NEW COLONY VILLAGE
Legal Subdivision	NEW COLONY VILLAGE
Legal Lot Number	89
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2038
Census Tract	601203

Owner

7412 Cedar Grove Ln is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	7412 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916
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.

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Apr 30, 2019	Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2019 · Amount on File
Deed Sale	Apr 30, 2019 · Amount on File
Prior Sale	Oct 26, 2005 · Amount on File
Deed Book / Page	18643 / 158
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Recording Date	May 21, 2026
Property Address	7412 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916
Document Number	2324000335
Book / Page	23247 / 335
Instrument Date	May 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	7412 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916
Investor	Possibly a Property Investor

Mortgage

Document Number	2324000335,
Date	May 21, 2026
Book Page	23247/335

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7412 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	BETTERS LAW TTL & SETMNT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7412 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916

Mortgage

Document Number	0204860057
Date	Apr 27, 2021
Book Page	20486/57

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Apr 30, 2019
Property Address	7412 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916
Document Number	0186430158
Book / Page	18643 / 158
Map Reference	PL 17327-17345
Instrument Date	Apr 5, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	JDM TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,561.25
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	7412 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916

Mortgage

Document Number	0018643165
Date	Apr 30, 2019
Instrument	18643/165

Lender

Name	HOMESPIRE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 7412 Cedar Grove Ln was $4,803 with a homeowner's exemption, up 2.7% 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	$4,803.00 (+2.74%) Homeowner's exemption	$338,800 (+6.34%) Land $100,000 Building $238,800	$338,800 (-) Land $100,000 Building $238,800
2025	$4,675.00 Homeowner's exemption	$318,600	$338,800 Land $100,000 Building $238,800
2023		$278,200 Land $70,000 Building $208,200	$278,200 Land $70,000 Building $208,200
2022	$2,996.00

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

Flood

FEMA maps place 7412 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 7412 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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