Cecil County property record for 103 Mitchell St, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 864 sqft · built 1952 |
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Apr 2018) |
| Tax Bill | $2,237 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Oct 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-041972 |
| Primary APN | 03-041972 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 864 sqft Total Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,971 sqft (0.183 acres) |
| Patio Area | 114 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 041972 |
|---|---|
| Street Address | 103 MITCHELL ST |
| City | ELKTON |
| State | MD |
| Zip | 21921-5714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 69 - .183 ACRE 103 MITCHELL STREET FRIENDSHIP HEIGHTS |
| Legal Subdivision | FRIENDSHIP HEIGHTS |
| Legal Lot Number | 69 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 30400 |
Source: Cecil County records · APN 03-041972
Assessment roll updated August 12, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 MITCHELL ST, ELKTON, MD 21921-5714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 13, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 27, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 30, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG |
| Apr 03, 2018 | Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 03, 2018 · Amount on Record |
| Deed Sale | Apr 03, 2018 · Amount on Record |
| Prior Sale | Feb 27, 2007 · Amount on Record |
| Deed Book / Page | 4223 / 313 |
| Prior Transfer Date | May 25, 2013 |
| Prior Transfer Doc | 0034200108 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 103 MITCHELL ST, ELKTON, MD 21921-5714 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0045360416 |
|---|---|
| Date | Jan 21, 2020 |
| Book Page | 4536/416 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jun 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 103 MITCHELL ST, ELKTON, MD 21921-5714 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0047020141 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 4702/141 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Jul 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 103 MITCHELL ST, ELKTON, MD 21921-5714 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0049680048 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 4968/48 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Dec 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 103 MITCHELL ST, ELKTON, MD 21921-5714 |
| Document Number | 0043970141 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 103 MITCHELL ST ELKTON MD 219215714, ELKTON, MD 21921-5714 |
| Document Number | 0043970141 |
|---|---|
| Date | May 08, 2019 |
| Book Page | 004397/000141 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 07, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Apr 03, 2018 |
| Property Address | 103 MITCHELL ST, ELKTON, MD 21921-5714 |
| Document Number | 0042230313 |
| Book / Page | 4223 / 313 |
| Map Reference | MB RRC 1 FO28 |
| Instrument Date | Mar 30, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | LIBERTY TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | NORTH EAST, MD 21901 |
| Name | Verified Name |
|---|---|
| Address | 103 MICHAELS WAY, ELKTON, MD 21921 |
| Document Number | 0004223322 |
|---|---|
| Date | Apr 03, 2018 |
| Instrument | 4223/322 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2048 |
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | Elkton Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $145,567 (+12.55%) | $161,800 (-) Land $60,100 Building $101,700 | |
| 2025 | $2,237.00 (+79.1%) | $129,333 (+15.41%) | $161,800 (+43.06%) Land $60,100 Building $101,700 |
| 2023 | $1,249.00 | $112,067 | $113,100 Land $30,400 Building $82,700 |
Source: FEMA National Flood Hazard Layer as of May 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (1978–1999) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: IQ Fiber Intermediate Holdings.
Based on FCC filings for 417 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF ELKTON serves 15,625 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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