Cecil County property record for 9 Spirea Ct, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,200 sqft · built 2019 |
| Lot Size | 0.236 acres (10,288 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Apr 2026) |
| Tax Bill | $5,698 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Jan 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-131618 |
| Primary APN | 05-131618 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Total Area |
| Basement Area | 200 sqft |
| Finished Basement | 200 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 10,288 sqft (0.236 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 131618 |
|---|---|
| Street Address | 9 SPIREA CT |
| City | ELKTON |
| State | MD |
| Zip | 21921-7135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | LOT 1004 - .2362 ACR 9 SPIREA CT RIDGELY FOREST |
| Legal Subdivision | RIDGELY FOREST 1 PH 1 |
| Legal Lot Number | 1004 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 5, NORTH EAST |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 30903 |
9 Spirea Ct is owned and occupied by an individual who bought it in April 2026.
Source: Cecil County records, as of September 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9 SPIREA CT, ELKTON, MD 21921-7135 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Apr 15, 2026 | Deed, Transfer · Conventional Mortgage PIKE CRK MORTGAGE SERVICES |
| Jan 23, 2020 | Deed, Transfer · VA Mortgage NVR MORTGAGE FINANCE INC |
| Oct 10, 2019 | Grant Deed, Transfer NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Sep 28, 2018 | Grant Deed, Transfer · Line of Credit HARFORD BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2026 · Amount on File |
| Deed Sale | Apr 15, 2026 · Amount on File |
| Prior Sale | Jan 23, 2020 · Amount on File |
| Deed Book / Page | 5769 / 397 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Apr 15, 2026 |
| Property Address | 9 SPIREA CT, ELKTON, MD 21921-7135 |
| Document Number | 5769000397 |
| Book / Page | 5769 / 397 |
| Instrument Date | Apr 9, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2026 |
| Title Company | KIRK TITLE, KIRSH TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $444,400.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 SPIREA CT, ELKTON, MD 21921-7135 |
| Document Number | 5769000402, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 5769/402 |
| Name | PIKE CRK MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jan 23, 2020 |
| Property Address | 9 SPIREA CT, ELKTON, MD 21921-7135 |
| Document Number | 0045390001 |
| Book / Page | 4539 / 001 |
| Map Reference | MB PC1120 FO 73 |
| Instrument Date | Dec 26, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | NVR SETMNT SVCS OF MD INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8007 CORPORATE DR, 8007, NOTTINGHAM, MD 21236-4905 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9 SPIREA CT, ELKTON, MD 21921-7135 |
| Document Number | 0000045397 |
|---|---|
| Date | Jan 23, 2020 |
| Instrument | 4539/7 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Oct 10, 2019 |
| Property Address | 9 SPIREA CT, ELKTON, MD 21921-7135 |
| Document Number | 0044800461 |
| Book / Page | 004480 / 000461 |
| Instrument Date | Oct 4, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2019 |
| Title Company | NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $126.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 11403 CRONRIDGE DR OWINGS MILLS MD 211172200, OWINGS MILLS, MD 21117-2200 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Sep 28, 2018 |
| Property Address | 9 SPIREA CT, ELKTON, MD 21921-7135 |
| Document Number | 0043050335 |
| Book / Page | 004305 / 000335 |
| Instrument Date | Sep 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $600.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 112 E MAIN ST ELKTON MD 219215907, ELKTON, MD 21921-5907 |
| Investor | Possibly a Property Investor |
| Document Number | 43050350 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 004305/000350 |
| Name | HARFORD BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
| Document Number | 43050379, |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | 004305/000379 |
| Name | HARFORD BK |
|---|---|
| Type | Bank |
| Address | PO BOX 640, ABERDEEN, MD 21001-0640 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2% |
The 2026 property tax bill for 9 Spirea Ct was $5,698, up 2.1% from the year before.
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | North East Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,698.00 (+2.1%) | $342,900 (+2.9%) Land $101,000 Building $241,900 | $342,900 (-) Land $101,000 Building $241,900 |
| 2025 | $5,581.00 Homeowner's exemption | $333,233 | $342,900 Land $101,000 Building $241,900 |
| 2023 | $4,582.00 Homeowner's exemption | $313,900 Land $101,000 Building $212,900 | $313,900 Land $101,000 Building $212,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9 Spirea Ct in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1979.
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 |
| Nearby Flood Claims | 22 (1979–2015) |
| Claims Outside the SFHA | 7 of 22 |
| Most Recent Claim | Oct 2015 · rainfall accumulation |
| 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 9 Spirea Ct 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 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF NORTH EAST serves 8,600 people · EPA ID MD0070016 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | Haloacetic acids resolved · Jan 2026 Total trihalomethanes resolved · Apr 2024 |
|---|---|
| Treatment and Procedure | Organic carbon removal Jan 2025 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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