7445 Cedar Grove Ln, Elkridge, MD 21075 Property Records

Howard County property record for 7445 Cedar Grove Ln, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,534 sqft · built 1999
Lot Size	0.058 acres (2,524 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Oct 2020)
Tax Bill	$4,425 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-299832`

Property Details

APN / Parcel Number

Primary APN	`01-299832`
Alternative APN	`299832`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,534 sqft Total Area
Basement Area	385 sqft
Finished Basement	385 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,524 sqft (0.058 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	299832
Street Address	7445 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 100 2,524 SQ' 7445 CEDAR GROVE LN NEW COLONY VILLAGE
Legal Subdivision	NEW COLONY VILLAGE
Legal Lot Number	100
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2039
Census Tract	601203

Owner

7445 Cedar Grove Ln is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	7445 CEDAR GROVE LN, ELKRIDGE, MD 21075-7915
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2020 · Amount on File
Deed Sale	Oct 6, 2020 · Amount on File
Prior Sale	Sep 18, 2013 · Amount on File
Deed Book / Page	19783 / 185
Prior Transfer Date	Sep 6, 2013
Prior Transfer Doc	0152290203
Record Updated	Oct 29, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HOWARD MD
Recording Date	Oct 6, 2020
Property Address	7445 CEDAR GROVE LN, ELKRIDGE, MD 21075-7915
Document Number	0197830185
Book / Page	19783 / 185
Map Reference	PL 17327-17345
Instrument Date	Aug 27, 2020
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	UNIVERSAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,075.00
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	7445 CEDAR GROVE LN, ELKRIDGE, MD 21075-7915

Mortgage

Document Number	19783194
Date	Oct 6, 2020
Instrument	19783/194

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 7445 Cedar Grove Ln was $4,425 with a homeowner's exemption, down 6.8% 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	$4,425.00 (-6.76%) Homeowner's exemption	$375,300 (+6.19%) Land $100,000 Building $275,300	$375,300 (-) Land $100,000 Building $275,300
2025	$4,746.00 (+5.05%) Homeowner's exemption	$353,433	$375,300 Land $100,000 Building $275,300
2024	$4,518.00
2023		$309,700 Land $70,000 Building $239,700	$309,700 Land $70,000 Building $239,700
2022	$3,196.00

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

Flood

FEMA maps place 7445 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 7445 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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