76 Cambridge Rd, Elkton, MD 21921 Property Records

Cecil County property record for 76 Cambridge Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,322 sqft · built 1979
Lot Size	0.592 acres (25,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Aug 2024)
Tax Bill	$3,502 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-026349`

Property Details

APN / Parcel Number

Primary APN	`04-026349`
Alternative APNs	`4026349` `026349`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,322 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	25,787 sqft (0.592 acres)

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	240 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	026349
Street Address	76 CAMBRIDGE RD
City	ELKTON
State	MD
Zip	21921-2625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 20 - .5924 ACRE 76 CAMBRIDGE ROAD SURREY RIDGE
Legal Subdivision	SURREY RIDGE
Legal Lot Number	20
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	2
Census Block	2008
Census Tract	30601

Owner

Source: Cecil County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	76 CAMBRIDGE RD, ELKTON, MD 21921-2625
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP
Jun 4, 2020	Deed of Trust, Mortgage · Conventional with PMI NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2024 · Amount on Record
Deed Sale	Aug 30, 2024 · Amount on Record
Prior Sale	Oct 8, 2015 · Amount on Record
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	76 CAMBRIDGE RD, ELKTON, MD 21921-2625
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	KEY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050740294
Date	Jan 5, 2022
Book Page	5074/294

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	76 CAMBRIDGE RD, ELKTON, MD 21921-2625
Document Number	0046200417
Instrument Date	Jun 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 CAMBRIDGE RD ELKTON MD 219212625, ELKTON, MD 21921-2625

Mortgage

Document Number	0046200417
Date	Jun 17, 2020
Book Page	004620/000417

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2050

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of August 12, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$373,333 (+31.95%)	$490,800 (+56.01%) Land $121,100 Building $369,700
2025	$3,502.00 (+53.6%)
2023	$2,280.00 Homeowner's exemption	$282,933	$314,600 Land $77,300 Building $237,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 10, 2022 · 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 6 (20% premium discount)
Nearby Flood Policies	4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Armstrong, Talkie Communications.

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