104 Union School Rd, Elkton, MD 21921 Property Records

Cecil County property record for 104 Union School Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 3,176 sqft · built 1816
Lot Size	7.7 acres (335,412 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Apr 2022)
Tax Bill	$4,251 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-016211`

Property Details

APN / Parcel Number

Primary APN	`04-016211`
Alternative APNs	`4016211` `016211`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,176 sqft Total Area
Utility Area	400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1816
Effective Year Built	Effective 1816
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	335,412 sqft (7.7 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	644 sqft
Shed	1 Shed
Shed Area	720 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	016211
Street Address	104 UNION SCHOOL RD
City	ELKTON
State	MD
Zip	21921-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LDR
Legal Description	7.7 ACRES 104 UNION SCHOOL ROAD N/E OF APPLETON
Jurisdiction	CECIL MD
Township / Civil Division	4, FAIR HILL
Census Block Group	1
Census Block	1006
Census Tract	30602

Owner

Source: Cecil County assessment roll, as of August 12, 2025

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

Owner of Record	Individual Name on File
Mailing Address	104 UNION SCHOOL RD, ELKTON, MD 21921-2112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Jan 11, 2010
Deed Book / Page	5156 / 229
Prior Transfer Date	Jan 3, 2011
Prior Transfer Doc	0029570413
Record Updated	Sep 20, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 29, 2022
Property Address	104 UNION SCHOOL RD, ELKTON, MD 21921-2112
Document Number	0051560229
Book / Page	5156 / 229
Instrument Date	Apr 25, 2022
Transaction Type	Transfer
Record Updated	May 9, 2022
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	104 UNION SCHOOL RD, ELKTON, MD 21921-2112

Mortgage

Document Number	0005156235
Date	Apr 29, 2022
Instrument	5156-235

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of August 12, 2025

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		$387,900 (+0.57%)	$392,300 (+1.71%) Land $143,600 Building $248,700
2025	$4,251.00 (+32.72%)	$385,700 (+9.96%) Land $143,600 Building $242,100	$385,700 (-) Land $143,600 Building $242,100
2023	$3,203.00	$350,767	$385,700 Land $143,600 Building $242,100

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2004)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2004 · tidal / storm surge

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile USA Fixed Wireless	100 / 20