11 Sage Dr, Elkton, MD 21921 Property Records

Cecil County property record for 11 Sage Dr, Elkton, MD 21921

Property Summary

Property Type	Townhouse
Details	2 ba · 1,240 sqft · built 1994
Lot Size	0.065 acres (2,831 sqft)
Owner	Individual Name on Record
Last Sale	$163,000 (May 2020)
Tax Bill	$3,180 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`03-093069`

Property Details

APN / Parcel Number

Primary APN	`03-093069`
Alternative APNs	`3093069` `093069`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,240 sqft Total Area
Basement Area	460 sqft
Finished Basement	460 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,831 sqft (0.065 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	093069
Street Address	11 SAGE DR
City	ELKTON
State	MD
Zip	21921-6526
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LOT 32 - .065 ACRE 11 SAGE STREET WHITEHALL WEST
Legal Subdivision	WHITEHALL WEST
Legal Lot Number	32
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1014
Census Tract	30505

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 August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	11 SAGE DR, ELKTON, MD 21921-6526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Grant Deed, Transfer · FHA Mortgage NATIONS LNDG
Sep 5, 2017	Grant Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2020 · Amount on Record
Deed Sale	May 7, 2020 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Book / Page	4594 / 501
Prior Transfer Date	Jan 31, 2008
Prior Transfer Doc	0024650135
Record Updated	Sep 20, 2026

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	May 7, 2020
Property Address	11 SAGE DR, ELKTON, MD 21921-6526
Document Number	0045940501
Book / Page	004594 / 000501
Instrument Date	Apr 24, 2020
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	ARDENT TITLE COMPANY LLC, ARDENT TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 SAGE DR ELKTON MD 219216526, ELKTON, MD 21921-6526

Mortgage

Document Number	45940506
Date	May 7, 2020
Book Page	004594/000506

Lender

Name	NATIONS LNDG
Address	INDEPENDENCE, OH 44131

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2050

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Sep 5, 2017
Property Address	11 SAGE DR, ELKTON, MD 21921-6526
Document Number	0041250307
Book / Page	004125 / 000307
Instrument Date	Aug 24, 2017
Transaction Type	Transfer
Record Updated	Nov 16, 2017
Title Company	LIBERTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 SAGE DR ELKTON MD 219216526, ELKTON, MD 21921-6526

Tax Assessment & Valuation

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

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		$205,733 (+11.89%)	$227,600 (-) Land $60,000 Building $167,600
2025	$3,180.00 (+59.64%)	$183,867 (+18.8%)	$227,600 (+40.49%) Land $60,000 Building $167,600
2023	$1,992.00	$154,767	$162,000 Land $40,000 Building $122,000

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (2003–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 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	0.02% 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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: IQ Fiber, Verizon.

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