7509 Cedar Grove Ln, Elkridge, MD 21075 Property Records

Howard County property record for 7509 Cedar Grove Ln, Elkridge, MD 21075

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,344 sqft · built 1999
Lot Size	0.056 acres (2,427 sqft)
Owner	Individual Name on File
Last Sale	$296,000 (Oct 2020)
Tax Bill	$5,044 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-299980`

Property Details

APN / Parcel Number

Primary APN	`01-299980`
Alternative APN	`299980`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,344 sqft Total Area
Basement Area	310 sqft
Finished Basement	310 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	2,427 sqft (0.056 acres)
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	299980
Street Address	7509 CEDAR GROVE LN
City	ELKRIDGE
State	MD
Zip	21075-7913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMH
Legal Description	LOT 114 2,427 SQ' 7509 CEDAR GROVE LN NEW COLONY VILLAGE
Legal Subdivision	NEW COLONY VILLAGE
Legal Lot Number	114
Jurisdiction	HOWARD MD
Township / Civil Division	1, ELKRIDGE
Census Block Group	2
Census Block	2043
Census Tract	601203

Owner

7509 Cedar Grove Ln is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	7509 CEDAR GROVE LN, ELKRIDGE, MD 21075-7913
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
Mar 29, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 1, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONS LNDG
Oct 1, 2020	Grant Deed, Transfer · FHA Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2020 · Amount on File
Deed Sale	Oct 1, 2020 · Amount on File
Prior Sale	Jan 24, 2006 · Amount on File
Deed Book / Page	19769 / 73
Prior Transfer Date	Dec 9, 2013
Prior Transfer Doc	0154260245
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7509 CEDAR GROVE LN, ELKRIDGE, MD 21075-7913
Transaction Type	Mortgage
Record Updated	May 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7509 CEDAR GROVE LN, ELKRIDGE, MD 21075-7913

Mortgage

Document Number	0219230185
Date	Mar 29, 2023
Book Page	21923/185

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Oct 1, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOWARD MD
Property Address	7509 CEDAR GROVE LN, ELKRIDGE, MD 21075-7913
Document Number	0197690079
Instrument Date	Sep 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	KVS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7509 CEDAR GROVE LN ELKRIDGE MD 210757913, ELKRIDGE, MD 21075-7913

Mortgage

Document Number	0197690079
Date	Oct 1, 2020
Book Page	019769/000079

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2050

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HOWARD MD
Recording Date	Oct 1, 2020
Property Address	7509 CEDAR GROVE LN, ELKRIDGE, MD 21075-7913
Document Number	0197690073
Book / Page	019769 / 000073
Instrument Date	Aug 31, 2020
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	KVS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,960.00
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	7509 CEDAR GROVE LN ELKRIDGE MD 210757913, ELKRIDGE, MD 21075-7913

Mortgage

Document Number	197690079
Date	Oct 1, 2020
Book Page	019769/000079

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 7509 Cedar Grove Ln was $5,044, up 6.5% 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	$5,044.00 (+6.48%)	$338,500 (+6.35%) Land $100,000 Building $238,500	$338,500 (-) Land $100,000 Building $238,500
2025	$4,737.00 (+6.55%)	$318,300	$338,500 Land $100,000 Building $238,500
2024	$4,446.00
2023		$277,900 Land $70,000 Building $207,900	$277,900 Land $70,000 Building $207,900
2022	$2,957.00

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

Flood

FEMA maps place 7509 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 7509 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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