103 Lafayette Dr, Elkton, MD 21921 Property Records

Cecil County property record for 103 Lafayette Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,560 sqft · built 1996
Lot Size	0.351 acres (15,289 sqft)
Owner	Individual Name on Record
Last Sale	$349,900 (Jan 2023)
Tax Bill	$4,322 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-092488`

Property Details

APN / Parcel Number

Primary APN	`03-092488`
Alternative APNs	`3092488` `092488`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,560 sqft Total Area
Basement Area	520 sqft
Finished Basement	520 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	15,289 sqft (0.351 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	092488
Street Address	103 LAFAYETTE DR
City	ELKTON
State	MD
Zip	21921-6154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 115 - .351 ACRE 103 LAFAYETTE DRIVE COLONIAL RIDGE
Legal Subdivision	COLONIAL RIDGE
Legal Lot Number	115
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2001
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	103 LAFAYETTE DR, ELKTON, MD 21921-6154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed, Transfer · FHA Mortgage KEYSTONE FUNDING INC
May 11, 2022	Deed, Transfer SECURITY AMERICAN TITLE, SECURITY AMERICAN TITLE LLC
Feb 28, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2023 · Amount on Record
Deed Sale	Jan 25, 2023 · Amount on Record
Prior Sale	May 11, 2022 · Amount on Record
Deed Book / Page	5287 / 143
Prior Transfer Date	Feb 4, 2020
Prior Transfer Doc	0045580477
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 25, 2023
Property Address	103 LAFAYETTE DR, ELKTON, MD 21921-6154
Document Number	0052870143
Book / Page	5287 / 143
Map Reference	MB P C 63 FO 96
Instrument Date	Dec 21, 2022
Transaction Type	Transfer
Record Updated	Feb 6, 2023
Title Company	NOT AVAILABLE, CARDINAL STLMTS OF MD LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	103 LAFAYETTE DR, ELKTON, MD 21921-6154

Mortgage

Document Number	0052870149
Date	Jan 25, 2023
Instrument	5287-0149

Lender

Name	KEYSTONE FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 11, 2022
Property Address	103 LAFAYETTE DR, ELKTON, MD 21921-6154
Document Number	0051630112
Book / Page	5163 / 112
Map Reference	MB PC63 FO 96
Instrument Date	Apr 8, 2022
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	SECURITY AMERICAN TITLE, SECURITY AMERICAN TITLE LLC

Transaction

Amount	Amount Recorded
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	110 W PULASKI HWY, ELKTON, MD 21921-5928

February 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	CECIL MD
Recording Date	Feb 28, 2020
Property Address	103 LAFAYETTE DR, ELKTON, MD 21921-6154
Document Number	0045580477
Book / Page	004558 / 000477
Instrument Date	Dec 5, 2019
Transaction Type	Foreclosure
Record Updated	Mar 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$189.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$4,322.00 (+5.31%) Homeowner's exemption	$298,700 (+34.47%)	$336,000 (+49.93%) Land $84,100 Building $251,900
2025	$4,104.00 (+29.67%) Homeowner's exemption
2023	$3,165.00	$222,133	$224,100 Land $64,100 Building $160,000

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

Flood

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	5 in force
Nearby Flood Claims	4 (2021–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation

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

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	None beyond ember reach

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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