91 Bay Cir, Earleville, MD 21919 Property Records

Cecil County property record for 91 Bay Cir, Earleville, MD 21919

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,620 sqft · built 2002
Lot Size	0.459 acres (19,994 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Aug 2022)
Tax Bill	$2,781 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-050516`

Property Details

APN / Parcel Number

Primary APN	`01-050516`
Alternative APNs	`1050516` `050516`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Total Area
Basement Area	810 sqft
Finished Basement	810 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,994 sqft (0.459 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	050516
Street Address	91 BAY CIR
City	EARLEVILLE
State	MD
Zip	21919-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 60 - .459 ACRE 91 BAY CIRCLE BAY VIEW ESTATES
Legal Subdivision	BAY CIRCLE BAY VIEW ESTATES
Legal Lot Number	60
Jurisdiction	CECIL MD
Township / Civil Division	1, CECILTON
Census Block Group	4
Census Block	4046
Census Tract	30100

Owner

91 Bay Cir is owned and occupied by two individuals who bought it in August 2022.

Source: Cecil County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	91 BAY CIR, EARLEVILLE, MD 21919-2333
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jul 1, 2021	Deed of Distribution, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2022 · Amount on File
Deed Sale	Aug 24, 2022 · Amount on File
Prior Sale	Nov 26, 2002 · Amount on File
Deed Book / Page	5220 / 147
Prior Transfer Date	May 7, 2021
Prior Transfer Doc	0049270107
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 24, 2022
Property Address	91 BAY CIR, EARLEVILLE, MD 21919-2333
Document Number	0052200147
Book / Page	5220 / 147
Map Reference	MB 1 PL 137
Instrument Date	Aug 15, 2022
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	ARDENT TITLE COMPANY LLC

Transaction

Amount	Amount on Record
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

Mortgage

Document Number	0005220151
Date	Aug 24, 2022
Instrument	5220-151

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

July 2021: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	CECIL MD
Recording Date	Jul 1, 2021
Property Address	91 BAY CIR, EARLEVILLE, MD 21919-2333
Document Number	0049270107
Book / Page	4927 / 107
Instrument Date	May 7, 2021
Transaction Type	Transfer
Record Updated	Jul 14, 2021

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 in Severalty

Tax Assessment & Valuation

The 2026 property tax bill for 91 Bay Cir was $2,781 with a homeowner's exemption, up 6% from the year before.

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	$2,781.00 (+5.98%) Homeowner's exemption	$335,400 (+18.81%)	$388,500 (-) Land $99,900 Building $288,600
2025	$2,624.00 Homeowner's exemption	$282,300	$388,500 Land $99,900 Building $288,600
2023	$1,871.00	$227,367	$229,200 Land $83,400 Building $145,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 91 Bay Cir in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 91 Bay Cir is low, with a 0.02% 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	0.02% 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bay Cir

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