106 Whitehall Rd, Elkton, MD 21921 Property Records

Cecil County property record for 106 Whitehall Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 920 sqft · built 1981
Lot Size	0.471 acres (20,516 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,094 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-069281`

Property Details

APN / Parcel Number

Primary APN	`03-069281`
Alternative APNs	`3069281` `069281`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	920 sqft Total Area
Basement Area	666 sqft
Finished Basement	666 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,516 sqft (0.471 acres)
Garage Type	Detached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	390 sqft
Porch	Porch
Porch Area	144 sqft
Deck Area	60 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	069281
Street Address	106 WHITEHALL RD
City	ELKTON
State	MD
Zip	21921-6039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 61 - .471 ACRE 106 WHITEHALL ROAD HERITAGE WOODS
Legal Subdivision	HERITAGE WOODS
Legal Lot Number	61
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2024
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	2 Individual Names on Record
Mailing Address	106 WHITEHALL RD, ELKTON, MD 21921-6039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2019	Deed of Trust, Mortgage · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jan 6, 2021	Intrafamily Transfer, Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 23, 2018	Deed, Transfer · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2021
Deed Sale	Jan 6, 2021
Prior Sale	May 23, 2018 · Amount on Record
Deed Book / Page	4764 / 47
Prior Transfer Date	Nov 16, 2020
Prior Transfer Doc	0047640047
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	106 WHITEHALL RD, ELKTON, MD 21921-6039
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0043690239
Date	Mar 12, 2019
Book Page	4369/239

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Jan 6, 2021
Property Address	106 WHITEHALL RD, ELKTON, MD 21921-6039
Document Number	0047640047
Book / Page	4764 / 47
Map Reference	MB WAS4 FO 79
Instrument Date	Nov 16, 2020
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	106 WHITEHALL RD, ELKTON, MD 21921-6039

Mortgage

Document Number	0000476452
Date	Jan 6, 2021
Instrument	4764/52

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 23, 2018
Property Address	106 WHITEHALL RD, ELKTON, MD 21921-6039
Document Number	0042460292
Book / Page	4246 / 292
Map Reference	MB WAS4 FO79
Instrument Date	May 15, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	KIRSH TITLE SVCS INC

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	106 WHITEHALL RD, ELKTON, MD 21921-6039

Mortgage

Document Number	0004246297
Date	May 23, 2018
Instrument	4246/297

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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	$4,094.00 (+5.3%) Homeowner's exemption	$257,267 (+9.27%)	$279,100 (-) Land $76,700 Building $202,400
2025	$3,888.00 (+34.21%) Homeowner's exemption	$235,433 (+11.32%)	$279,100 (+30.66%) Land $76,700 Building $202,400
2023	$2,897.00 Homeowner's exemption	$211,500	$213,600 Land $56,700 Building $156,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.02% 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 205 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: Talkie Communications.

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