86 Cambridge Rd, Elkton, MD 21921 Property Records

Cecil County property record for 86 Cambridge Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,732 sqft · built 1979
Lot Size	0.566 acres (24,654 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,500 (Apr 1994)
Tax Bill	$3,225 (2026)
Deeds & Mortgages	Dec 2018 Second Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-026403`

Property Details

APN / Parcel Number

Primary APN	`04-026403`
Alternative APNs	`4026403` `026403`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,732 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	24,654 sqft (0.566 acres)
Garage Type	Basement
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	290 sqft
Deck Area	448 sqft
Shed	1 Shed
Shed Area	1,200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	026403
Street Address	86 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 19 - .5666 ACRE 86 CAMBRIDGE ROAD SURREY RIDGE
Legal Subdivision	SURREY RIDGE
Legal Lot Number	19
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 September 21, 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	86 CAMBRIDGE RD, ELKTON, MD 21921-2625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
Jan 5, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 1994 · Amount on Record
Deed Sale	Apr 13, 1994 · Amount on Record
Prior Sale	Oct 10, 1983 · Amount on Record
Deed Book / Page	487 / 435
Last Transfer Date	Dec 27, 2021
Transfer Doc	0050750485
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	86 CAMBRIDGE RD, ELKTON, MD 21921-2625
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MARVEL TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043420273
Date	Dec 28, 2018
Book Page	4342/273

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Nov 21, 2033

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Jan 5, 2022
Property Address	86 CAMBRIDGE RD, ELKTON, MD 21921-2625
Document Number	0050750485
Book / Page	5075 / 485
Map Reference	MB WAS 5 FO 44
Instrument Date	Dec 27, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	186 CAMBRIDGE RD, ELKTON, MD 21921-2626

Mortgage

Document Number	0005075494
Date	Jan 5, 2022
Instrument	5075/494

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

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	$3,225.00 (+5.05%)	$291,933 (+6.12%)	$325,600 (+18.36%) Land $120,600 Building $205,000
2025	$3,070.00 (+38.79%)	$275,100 (+6.5%) Land $76,800 Building $198,300	$275,100 (-) Land $76,800 Building $198,300
2023	$2,212.00	$258,300	$275,100 Land $76,800 Building $198,300

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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