78 Winslow Dr, Elkton, MD 21921 Property Records

Cecil County property record for 78 Winslow Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 5,600 sqft · built 2008
Lot Size	0.792 acres (34,488 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Jun 2016)
Tax Bill	$7,437 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-128870`

Property Details

APN / Parcel Number

Primary APN	`05-128870`
Alternative APN	`128870`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,600 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	34,488 sqft (0.792 acres)
Garage Type	Mixed
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	120 sqft
Patio Area	510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	128870
Street Address	78 WINSLOW DR
City	ELKTON
State	MD
Zip	21921-7658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAR
Legal Description	LOT 51 - .792 ACRE 78 WINSLOW DRIVE THE RESERVE AT ELK RIVER
Legal Subdivision	PLAT FOUR THE RESERVE AT ELK RIVER
Legal Lot Number	51
Jurisdiction	CECIL MD
Township / Civil Division	5, NORTH EAST
Census Block Group	3
Census Block	3014
Census Tract	30904

Owner

78 Winslow Dr is owned and occupied by two individuals who bought it in June 2016.

Source: Cecil County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	78 WINSLOW DR, ELKTON, MD 21921-7658
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
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 15, 2020	Deed of Trust, Construction Loan · Construction Mortgage JLP HOLDINGS LLC
Oct 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2016 · Amount on File
Deed Sale	Jun 23, 2016 · Amount on File
Prior Sale	May 12, 2015 · Amount on File
Deed Book / Page	3906 / 386
Prior Transfer Date	Apr 10, 2015
Prior Transfer Doc	0037220461
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	78 WINSLOW DR, ELKTON, MD 21921-7658
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048980419
Date	Jun 2, 2021
Book Page	4898/419

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Jul 15, 2020
Property Address	78 WINSLOW DR, ELKTON, MD 21921-7658
Document Number	0046380364
Book / Page	004638 / 000364
Instrument Date	Jun 22, 2020
Transaction Type	Construction Loan
Record Updated	Aug 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	BRIDGE ST ELKTON MD 21921, ELKTON, MD 21921

Mortgage

Document Number	46380364
Date	Jul 15, 2020
Book Page	004638/000364

Lender

Name	JLP HOLDINGS LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 14, 2021

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	78 WINSLOW DR, ELKTON, MD 21921-7658
Document Number	0043250307
Instrument Date	Oct 30, 2018
Transaction Type	Mortgage
Record Updated	Nov 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	78 WINSLOW DR ELKTON MD 219217658, ELKTON, MD 21921-7658

Mortgage

Document Number	0043250307
Date	Nov 14, 2018
Book Page	004325/000307

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 13, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 78 Winslow Dr was $7,437, up 5.9% from the year before.

Source: Cecil County assessment roll, as of September 21, 2026

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	$7,437.00 (+5.88%)	$680,300 Land $132,800 Building $547,500	$680,300 Land $132,800 Building $547,500
2025	$7,024.00
2023	$5,118.00	$548,600 Land $132,800 Building $415,800	$548,600 Land $132,800 Building $415,800

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

Flood

FEMA maps place 78 Winslow Dr in Zone X, an area of minimal flood risk.

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	3 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 78 Winslow Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Talkie Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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