106 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 106 E Main St, Elkton, MD 21921

Property Summary

Property Type	Office Building
Details	28,444 sqft · built 1945
Lot Size	0.734 acres (31,970 sqft)
Owner	Company Name on Record
Last Sale	$2,600,000 (Aug 2021)
Tax Bill	$53,969 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-048888`

Property Details

APN / Parcel Number

Primary APN	`03-048888`
Alternative APNs	`3048888` `048888`

Interior

Units	9 Units
Stories	2 Stories
Building Area	28,444 sqft Total Area
1st Floor Area	28,444 sqft
Basement Area	9,800 sqft
Unfinished Basement	9,800 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	31,970 sqft (0.734 acres)
Porch	Slab
Porch Area	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	048888
Street Address	106 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5780
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C1
Legal Description	.734 ACRE 106-110 EAST MAIN STREET ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	4
Census Block	4003
Census Tract	30400

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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	305 W NEWPORT PIKE, WILMINGTON, DE 19804-3154
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · Line of Credit ARTISANS BANK
Aug 31, 2021	Deed, Transfer · Commercial Mortgage ARTISANS BANK
Jan 10, 2017	Special Warranty Deed, Transfer · Commercial Mortgage MIDCOAST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Prior Sale	Jan 10, 2017 · Amount on Record
Deed Book / Page	4970 / 274
Prior Transfer Date	Oct 3, 2006
Prior Transfer Doc	0022290660
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	106 E MAIN ST, ELKTON, MD 21921-5780
Transaction Type	Mortgage
Record Updated	Jun 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051890213
Date	Jun 23, 2022
Book Page	5189/213

Lender

Name	ARTISANS BANK
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 31, 2021
Property Address	106 E MAIN ST, ELKTON, MD 21921-5780
Document Number	0049700274
Book / Page	4970 / 274
Instrument Date	Aug 12, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0004970279
Date	Aug 31, 2021
Instrument	4970/279

Lender

Name	ARTISANS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CECIL MD
Recording Date	Jan 10, 2017
Property Address	106 E MAIN ST, ELKTON, MD 21921-5780
Document Number	0040080373
Book / Page	4008 / 373
Map Reference	LB RRC70 FO44
Instrument Date	Dec 8, 2016
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	STEWART TITLE GUARANTY

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 S LINCOLN ST, WILMINGTON, DE 19805-3809

Mortgage

Document Number	0040080379
Date	Jan 10, 2017
Book Page	4008/379

Lender

Name	MIDCOAST COMMUNITY BANK
Type	Bank
Address	WILMINGTON, DE 19804

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$53,969.00 (+9.38%)	$3,137,733 (+10.01%)	$3,423,300 (-) Land $171,800 Building $3,251,500
2025	$49,342.00 (+21.62%)	$2,852,167 (+22.32%)	$3,423,300 (+33.38%) Land $171,800 Building $3,251,500
2023	$40,570.00	$2,331,633	$2,566,600 Land $171,800 Building $2,394,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	7 in force
Nearby Flood Claims	48 (1978–2021)
Claims Outside the SFHA	27 of 48
Most Recent Claim	Sep 2021 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims Severe Storms And Flooding, Jan 1996 · 2 claims

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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: IQ Fiber, T-Mobile, Talkie Communications, Verizon.

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