Cecil County property record for 88 Locust Point Rd, Elkton, MD 21921 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,216 sqft · built 1962 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Jun 2017) |
| Tax Bill | $2,431 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage Jan 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-018713 |
| Primary APN | 02-018713 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,216 sqft Total Area |
| Utility Area | 32 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 20,000 sqft (0.459 acres) |
| Garage Type | Carport |
| Garage Area | 388 sqft |
| Carport | Carport |
| Carport Area | 388 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 316 sqft |
| Deck Area | 640 sqft |
| Gazebo | 270 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 018713 |
|---|---|
| Street Address | 88 LOCUST POINT RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-7740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .4591 ACRE 88 LOCUST POINT ROAD S OF ELKTON |
| Legal Subdivision | LAND FORMERLY |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 2, CHESAPEAKE CITY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 30200 |
Source: Cecil County records · APN 02-018713
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 88 LOCUST POINT RD, ELKTON, MD 21921-7740 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 15, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jan 10, 2019 | Loan Modification, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MTG |
| Jun 22, 2017 | Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 22, 2017 · Amount on Record |
| Deed Sale | Jun 22, 2017 · Amount on Record |
| Prior Sale | Mar 08, 2013 · Amount on Record |
| Deed Book / Page | 4086 / 482 |
| Prior Transfer Date | Jan 31, 2013 |
| Prior Transfer Doc | 0033590477 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 88 LOCUST POINT RD, ELKTON, MD 21921-7740 |
| Document Number | 0043620410 |
| Instrument Date | Jan 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 88 LOCUST POINT RD ELKTON MD 219217740, ELKTON, MD 21921-7740 |
| Document Number | 0043620410 |
|---|---|
| Date | Feb 19, 2019 |
| Book Page | 004362/000410 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 18, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 88 LOCUST POINT RD, ELKTON, MD 21921-7740 |
| Document Number | 0043740026 |
| Instrument Date | Jan 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 88 LOCUST POINT RD ELKTON MD 219217740, ELKTON, MD 21921-7740 |
| Document Number | 0043740026 |
|---|---|
| Date | Mar 21, 2019 |
| Book Page | 004374/000026 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jun 22, 2017 |
| Property Address | 88 LOCUST POINT RD, ELKTON, MD 21921-7740 |
| Document Number | 0040860482 |
| Book / Page | 4086 / 482 |
| Map Reference | LB DWL3359 FO477 |
| Instrument Date | Jun 12, 2017 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | KRISH TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $525.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 88 LOCUST POINT RD, ELKTON, MD 21921-7740 |
| Document Number | 0004086487 |
|---|---|
| Date | Jun 22, 2017 |
| Instrument | 4086/487 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $225,300 (+3.97%) | $233,900 (-) Land $95,000 Building $138,900 | |
| 2025 | $2,431.00 (+47.96%) | $216,700 (+4.8%) | $233,900 (+12.4%) Land $95,000 Building $138,900 |
| 2023 | $1,643.00 | $206,767 | $208,100 Land $95,000 Building $113,100 |
Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240150302001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 55 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 8,333 per year |
| Exposure | Indirect within ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Talkie Communications | Fiber | 10,000 / 10,000 |
| Cogeco Cable Holdings II | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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