Cecil County property record for 79 River Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 666 sqft · built 1942 |
| Lot Size | 0.216 acres (9,395 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $585,933 (Apr 2025) |
| Tax Bill | $5,356 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Nov 2017 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 02-014742 |
| Primary APN | 02-014742 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 666 sqft Total Area |
| Utility Area | 336 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,395 sqft (0.216 acres) |
| View / Lot | Waterfront |
| Deck Area | 1,209 sqft |
| Patio Area | 762 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 014742 |
|---|---|
| Street Address | 79 RIVER RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-7930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 4 - .21 ACRE 79 RIVER ROAD OTTS SHORE |
| Legal Subdivision | LOCUST POINT FARM |
| Legal Lot Number | 4 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 2, CHESAPEAKE CITY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30200 |
79 River Rd is owned by two individuals who bought it in April 2025.
Source: Cecil County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 GRENOBLE CT, WILMINGTON, DE 19807-1057 |
| 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.
| Date | Document |
|---|---|
| Feb 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SPROUT MORTGAGE LLC |
| Nov 14, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2025 · Amount on File |
| Deed Sale | Apr 17, 2025 · Amount on File |
| Prior Sale | Nov 14, 2017 · Amount on File |
| Deed Book / Page | 5604 / 327 |
| Transfer Doc | 0000233578 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 79 RIVER RD, ELKTON, MD 21921-7930 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2022 |
| Title Company | ARDENT TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0051010217 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 5101/217 |
| Name | SPROUT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PORT SAINT LUCIE, FL 34986 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Nov 14, 2017 |
| Property Address | 79 RIVER RD, ELKTON, MD 21921-7930 |
| Document Number | 0041610053 |
| Book / Page | 004161 / 000053 |
| Instrument Date | Oct 30, 2017 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 171 N SAINT AUGUSTINE RD CHESAPEAKE CITY MD 219151318, CHESAPEAKE CITY, MD 21915-1318 |
The 2026 property tax bill for 79 River Rd was $5,356, up 13.4% from the year before.
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,356.00 (+13.35%) | $488,433 (+14.58%) | $550,600 (-) Land $414,500 Building $136,100 |
| 2025 | $4,725.00 | $426,267 | $550,600 Land $414,500 Building $136,100 |
| 2023 | $3,831.00 | $341,533 | $364,100 Land $262,500 Building $101,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 79 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 10, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 55 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 45 (1978–2024) |
| Claims Outside the SFHA | 4 of 45 |
| Most Recent Claim | Aug 2024 · other causes |
| Claims by Event |
|
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 risk around 79 River Rd is low, with 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 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% 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.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
May also be available: Verizon.
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