101 Gray Mount Dr, Elkton, MD 21921 Property Records

Cecil County property record for 101 Gray Mount Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1 ba · 912 sqft · built 1989
Lot Size	0.169 acres (7,361 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (May 2022)
Tax Bill	$3,528 (2026)
Deeds & Mortgages	Dec 2025 Mortgage May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-084388`

Property Details

APN / Parcel Number

Primary APN	`03-084388`
Alternative APNs	`3084388` `084388`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	912 sqft Total Area
Basement Area	500 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	7,361 sqft (0.169 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	084388
Street Address	101 GRAY MOUNT DR
City	ELKTON
State	MD
Zip	21921-6277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 8 - .1696 ACRE 101 GRAY MOUNT DRIVE GRAYS HILL ADDITION
Legal Subdivision	GRAY MOUNT DRIVE GRAYS HILL ADD
Legal Lot Number	8
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1004
Census Tract	30508

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within New Castle and Frenchtown Railroad Right-of-Way listed 1976 · 2 contributing resources · NRIS 76002290

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

101 Gray Mount Dr is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	101 GRAY MOUNT DR, ELKTON, MD 21921-6277
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
Dec 18, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 17, 2022	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2022 · Amount on File
Deed Sale	May 17, 2022 · Amount on File
Prior Sale	Jan 8, 2015 · Amount on File
Deed Book / Page	5166 / 134
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	101 GRAY MOUNT DR, ELKTON, MD 21921-6277
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 GRAY MOUNT DR, ELKTON, MD 21921-6277

Mortgage

Document Number	0057160191
Date	Dec 18, 2025
Book Page	5716/191

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Jun 1, 2052

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 17, 2022
Property Address	101 GRAY MOUNT DR, ELKTON, MD 21921-6277
Document Number	0051660134
Book / Page	5166 / 134
Map Reference	MB NDS11 FO 46
Instrument Date	May 10, 2022
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

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
Address	101 GRAY MOUNT DR, ELKTON, MD 21921-6277

Mortgage

Document Number	0005166139
Date	May 17, 2022
Instrument	5166-139

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 101 Gray Mount Dr was $3,528, up 11.1% from the year before.

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Municipality	Elkton Town
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,528.00 (+11.12%)	$205,133	$226,700 Land $75,900 Building $150,800
2025	$3,175.00
2023	$2,096.00	$160,700	$162,000 Land $54,100 Building $107,900

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

Flood

FEMA maps place 101 Gray Mount Dr 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
Nearby Flood Policies	2 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 101 Gray Mount Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ELKTON serves 15,625 people · EPA ID MD0070011
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2025
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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