109 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 109 E Main St, Elkton, MD 21921

Property Summary

Property Type	Office Building
Details	7,828 sqft · built 1900
Lot Size	0.201 acres (8,760 sqft)
Owner	Company Name on File
Last Sale	$460,000 (Dec 2018)
Tax Bill	$13,175 (2026)
Deeds & Mortgages	Feb 2019 Mortgage Dec 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-038505`

Property Details

APN / Parcel Number

Primary APN	`03-038505`
Alternative APNs	`3038505` `038505`

Interior

Units	10 Units
Stories	2 Stories
Building Area	7,828 sqft Total Area
1st Floor Area	7,828 sqft
Basement Area	2,964 sqft
Unfinished Basement	2,964 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Block
Construction Type	Brick
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	8,760 sqft (0.201 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	038505
Street Address	109 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5979
Property Category	Commercial
Property Type	Commercial > Office > Office Building
Local Zoning Code	C1
Legal Description	.2012 ACRE 109 EAST MAIN STREET ELKTON
Legal Subdivision	WILLIAM F BURKLEY LLC LANDS
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2011
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

109 E Main St, a commercial property, is owned by a company that bought it in December 2018.

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

Owner of Record	Company Name on File
Mailing Address	2203 N DUPONT HWY, NEW CASTLE, DE 19720-6302
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2019	Deed of Trust, Mortgage M&T BK
Dec 7, 2018	Grant Deed, Transfer ATTORNEY ONLY
Mar 17, 2017	Deed, Transfer · Commercial Mortgage WILMINGTON SAVINGS FUND SOCIETY FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2018 · Amount on File
Deed Sale	Dec 7, 2018 · Amount on File
Prior Sale	Mar 17, 2017 · Amount on File
Deed Book / Page	4334 / 95
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	109 E MAIN ST, ELKTON, MD 21921-5979
Document Number	0043690329
Instrument Date	Feb 28, 2019
Transaction Type	Mortgage
Record Updated	Mar 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2203 N DUPONT HWY NEW CASTLE DE 197206302, NEW CASTLE, DE 19720-6302

Mortgage

Document Number	0043690329
Date	Mar 12, 2019
Book Page	004369/000329

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Amount	Amount on Record

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Dec 7, 2018
Property Address	109 E MAIN ST, ELKTON, MD 21921-5979
Document Number	0043340095
Book / Page	004334 / 000095
Instrument Date	Nov 30, 2018
Transaction Type	Transfer
Record Updated	Dec 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$460.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2203 N DUPONT HWY NEW CASTLE DE 197206302, NEW CASTLE, DE 19720-6302

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Mar 17, 2017
Property Address	109 E MAIN ST, ELKTON, MD 21921-5979
Document Number	0040380164
Book / Page	4038 / 164
Instrument Date	Mar 13, 2017
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 KIDDIE LN, ELKTON, MD 21921-6358

Mortgage

Document Number	0004038169
Date	Mar 17, 2017
Instrument	4038/169

Lender

Name	WILMINGTON SAVINGS FUND SOCIETY FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 109 E Main St was $13,175, up 10.4% from the year before.

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	$13,175.00 (+10.44%)	$766,000	$842,400 Land $90,600 Building $751,800
2025	$11,930.00
2023	$9,683.00	$556,500	$613,200 Land $90,600 Building $522,600

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

Flood

FEMA maps place 109 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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

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

Wildfire risk around 109 E Main St is low, with a 0.01% annual chance of 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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