Cecil County property record for 99 River Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,584 sqft · built 1972 |
| Lot Size | 0.155 acres (6,751 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Aug 2020) |
| Tax Bill | $5,256 (2026) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 02-008777 |
| Primary APN | 02-008777 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,584 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,751 sqft (0.155 acres) |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 280 sqft |
| Deck Area | 153 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 008777 |
|---|---|
| Street Address | 99 RIVER RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-7930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOTS 7&8 - .155 ACRE 99 RIVER ROAD OTTS SHORE |
| Legal Subdivision | OTT PETER ESTATE |
| Legal Lot Number | 7,8 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 2, CHESAPEAKE CITY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30200 |
99 River Rd is owned by two individuals who bought it in August 2020.
Source: Cecil County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 512 APPLEWOOD DR, FORT WASHINGTON, PA 19034-3002 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2020 · Amount on File |
| Deed Sale | Aug 13, 2020 · Amount on File |
| Prior Sale | May 24, 1996 |
| Deed Book / Page | 4657 / 430 |
| Transfer Doc | 0000235280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Aug 13, 2020 |
| Property Address | 99 RIVER RD, ELKTON, MD 21921-7930 |
| Document Number | 0046570430 |
| Book / Page | 4657 / 430 |
| Instrument Date | Aug 12, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | LIBERTY TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| 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 | 512 APPLEWOOD DR, FORT WASHINGTON, PA 19034-3002 |
| Document Number | 0004657437 |
|---|---|
| Date | Aug 13, 2020 |
| Instrument | 4657/437 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2026 property tax bill for 99 River Rd was $5,256, up 12.9% from the year before.
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 | $5,256.00 (+12.89%) | $479,200 | $538,400 Land $399,400 Building $139,000 |
| 2025 | $4,656.00 | ||
| 2023 | $4,044.00 | $360,800 Land $247,400 Building $113,400 | $360,800 Land $247,400 Building $113,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 99 River Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 10, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 9.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 55 policies |
| 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 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 99 River Rd 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 94% of the US · lower than 87% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
May also be available: Verizon.
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