86 Keithley Ln, Elkton, MD 21921 Property Records

Cecil County property record for 86 Keithley Ln, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,560 sqft · built 1950
Lot Size	0.344 acres (14,998 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Sep 2022)
Tax Bill	$1,003 (2025)
Deeds & Mortgages	Oct 2025 Transfer May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-035778`

Property Details

APN / Parcel Number

Primary APN	`03-035778`
Alternative APNs	`3035778` `035778`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,560 sqft Total Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,998 sqft (0.344 acres)

Exterior Amenities

Porch	Slab
Porch Area	245 sqft
Deck Area	72 sqft
Patio Area	317 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	035778
Street Address	86 KEITHLEY LN
City	ELKTON
State	MD
Zip	21921-5734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MH
Legal Description	LOTS 7 & 8 - .3443 A 86 KEITHLEY LANE E OF ELKTON
Legal Lot Number	7,8
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1012
Census Tract	30507

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	Individual Name on Record
Mailing Address	86 KEITHLEY LN, ELKTON, MD 21921-5734
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
May 23, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 23, 2022	Deed, Transfer · Stand-Alone First Mortgage GUIDANCE RESIDENTIAL LLC
Jul 9, 2019	Grant Deed, Transfer LIBERTY TITLE, LIBERTY TITLE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2022 · Amount on Record
Deed Sale	Sep 23, 2022 · Amount on Record
Prior Sale	Jul 9, 2019 · Amount on Record
Deed Book / Page	5236 / 462
Transfer Doc	0016730405
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Oct 24, 2025
Property Address	86 KEITHLEY LN, ELKTON, MD 21921-5734
Document Number	0056880493
Book / Page	5688 / 493
Instrument Date	Oct 8, 2025
Transaction Type	Transfer
Record Updated	Nov 7, 2025
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
Address	86 KEITHLEY LN, ELKTON, MD 21921-5734

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	86 KEITHLEY LN, ELKTON, MD 21921-5734
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 KEITHLEY LN, ELKTON, MD 21921-5734

Mortgage

Document Number	0051690438
Date	May 23, 2022
Book Page	5169/438

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	477 Months
Due	Feb 7, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Sep 23, 2022
Property Address	86 KEITHLEY LN, ELKTON, MD 21921-5734
Document Number	0052360462
Book / Page	5236 / 462
Instrument Date	Sep 15, 2022
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	ARDENT TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 KEITHLEY LN, ELKTON, MD 21921-5734

Mortgage

Document Number	0005236469
Date	Sep 23, 2022
Instrument	5236-469

Lender

Name	GUIDANCE RESIDENTIAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Jul 9, 2019
Property Address	86 KEITHLEY LN, ELKTON, MD 21921-5734
Document Number	0044280334
Book / Page	004428 / 000334
Instrument Date	Jun 14, 2019
Transaction Type	Transfer
Record Updated	Jul 18, 2019
Title Company	LIBERTY TITLE, LIBERTY TITLE SERVICES

Transaction

Amount	Amount Recorded
Tax	$23.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	630 W OLD PHILADELPHIA RD NORTH EAST MD 219013425, NORTH EAST, MD 21901-3425

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		$109,967 (+19.88%)	$128,200 (-) Land $22,600 Building $105,600
2025	$1,003.00 (+237.71%)	$91,733 (+27.11%)	$128,200 (+74.42%) Land $22,600 Building $105,600
2023	$297.00	$72,167	$73,500 Land $16,600 Building $56,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	0.02% 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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