Cecil County property record for 87 Red Toad Rd, North East, MD 21901
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,963 sqft · built 2004 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Oct 2020) |
| Tax Bill | $3,440 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-099986 |
| Primary APN | 05-099986 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,963 sqft Total Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 137 sqft |
| Deck Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 099986 |
|---|---|
| Street Address | 87 RED TOAD RD |
| City | NORTH EAST |
| State | MD |
| Zip | 21901-2604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 2 - .4733 ACRE 87 RED TOAD ROAD W OF NORTH EAST |
| Legal Subdivision | JOSEPH H & DORIS E SPEAK |
| Legal Lot Number | 2 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 5, NORTH EAST |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 30907 |
Source: Cecil County records, as of September 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 87 RED TOAD RD, NORTH EAST, MD 21901-2604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Sep 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage DIRECT MTG LN |
| Oct 7, 2020 | Deed, Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC |
| Jun 17, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 7, 2020 · Amount on Record |
| Deed Sale | Oct 7, 2020 · Amount on Record |
| Prior Sale | Jun 17, 2020 · Amount on Record |
| Deed Book / Page | 4698 / 401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 87 RED TOAD RD, NORTH EAST, MD 21901-2604 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | 0049910468 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 4991/468 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 87 RED TOAD RD, NORTH EAST, MD 21901-2604 |
| Document Number | 0046980407 |
| Instrument Date | Sep 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2020 |
| Title Company | FRONT DOOR TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 87 RED TOAD RD NORTH EAST MD 219012604, NORTH EAST, MD 21901-2604 |
| Document Number | 0046980407 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | 004698/000407 |
| Name | DIRECT MTG LN |
|---|---|
| Type | Mortgage Company |
| Address | HUNT VALLEY, MD 21031 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 6, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Oct 7, 2020 |
| Property Address | 87 RED TOAD RD, NORTH EAST, MD 21901-2604 |
| Document Number | 0046980401 |
| Book / Page | 4698 / 401 |
| Instrument Date | Sep 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | FRONT DOOR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 87 RED TOAD RD, NORTH EAST, MD 21901-2604 |
| Document Number | 0004698407 |
|---|---|
| Date | Oct 7, 2020 |
| Instrument | 4698/407 |
| Name | DIRECT MORTGAGE LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jun 17, 2020 |
| Property Address | 87 RED TOAD RD, NORTH EAST, MD 21901-2604 |
| Document Number | 0046190455 |
| Book / Page | 004619 / 000455 |
| Instrument Date | Jun 5, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $244.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 711 CHESAPEAKE CITY MD 219150711, CHESAPEAKE CITY, MD 21915-0711 |
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 | $3,440.00 (+3.74%) Homeowner's exemption | $373,800 (+35.04%) Land $60,200 Building $313,600 | $373,800 (+35.04%) Land $60,200 Building $313,600 |
| 2025 | $3,316.00 (+40.75%) Homeowner's exemption | ||
| 2023 | $2,356.00 Homeowner's exemption | $276,800 Land $60,200 Building $216,600 | $276,800 Land $60,200 Building $216,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
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.
Source: FCC Broadband Data Collection, based on 99 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 |
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