7420 Cedar Grove Ln, Elkridge, MD 21075 Property Records

Howard County property record for 7420 Cedar Grove Ln, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,594 sqft · built 1999
Lot Size	0.057 acres (2,501 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Apr 2025)
Tax Bill	$5,670 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-299727`

Property Details

APN / Parcel Number

Primary APN	`01-299727`
Alternative APN	`299727`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,594 sqft Total Area
Basement Area	610 sqft
Finished Basement	610 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	2,501 sqft (0.057 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	140 sqft
Deck Area	254 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	299727
Street Address	7420 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 91 2,501 SQ' 7420 CEDAR GROVE LN NEW COLONY VILLAGE
Legal Subdivision	NEW COLONY VILLAGE
Legal Lot Number	91
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2038
Census Tract	601203

Owner

7420 Cedar Grove Ln is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	7420 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
Feb 21, 2024	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Sep 23, 2020	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Nov 21, 2019	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2025 · Amount on File
Deed Sale	Apr 1, 2025 · Amount on File
Prior Sale	Nov 21, 2019 · Amount on File
Deed Book / Page	22702 / 348
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7420 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0222640135
Date	Feb 21, 2024
Book Page	22264/135

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7420 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	MASTERS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7420 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916

Mortgage

Document Number	0197360354
Date	Sep 23, 2020
Book Page	19736/354

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Nov 21, 2019
Property Address	7420 CEDAR GROVE LN, ELKRIDGE, MD 21075-7916
Document Number	0190290126
Book / Page	019029 / 000126
Instrument Date	Oct 30, 2019
Transaction Type	Transfer
Record Updated	Dec 9, 2019
Title Company	MASTERS TITLE AND ESCROW, MASTERS TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7420 CEDAR GROVE LN ELKRIDGE MD 210757916, ELKRIDGE, MD 21075-7916

Mortgage

Document Number	190290133
Date	Nov 21, 2019
Book Page	019029/000133

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 7420 Cedar Grove Ln was $5,670 with a homeowner's exemption, up 4.4% 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	$5,670.00 (+4.42%) Homeowner's exemption	$388,900 (+6.1%) Land $100,000 Building $288,900	$388,900 (-) Land $100,000 Building $288,900
2025	$5,430.00 Homeowner's exemption	$366,533	$388,900 Land $100,000 Building $288,900
2023		$321,800 Land $70,000 Building $251,800	$321,800 Land $70,000 Building $251,800
2022	$3,390.00

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

Flood

FEMA maps place 7420 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 7420 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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