112 Lafayette Dr, Elkton, MD 21921 Property Records

Cecil County property record for 112 Lafayette Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,104 sqft · built 1995
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on File
Last Sale	$92,400 (Jan 1996)
Tax Bill	$3,873 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-092445`

Property Details

APN / Parcel Number

Primary APN	`03-092445`
Alternative APNs	`3092445` `092445`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,104 sqft Total Area
Basement Area	552 sqft
Finished Basement	552 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,240 sqft (0.281 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	248 sqft
Deck Area	140 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	092445
Street Address	112 LAFAYETTE DR
City	ELKTON
State	MD
Zip	21921-6154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 90 - .281 ACRE 112 LAFAYETTE DRIVE COLONIAL RIDGE
Legal Subdivision	COLONIAL RIDGE
Legal Lot Number	90
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2002
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

112 Lafayette Dr is owned and occupied by an individual who bought it in January 1996.

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

Owner of Record	Individual Name on File
Mailing Address	112 LAFAYETTE DR, ELKTON, MD 21921-6154
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 2, 2022	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 1996 · Amount on File
Deed Sale	Jan 30, 1996 · Amount on File
Deed Document Number	1996234485
Deed Book / Page	579 / 719
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	112 LAFAYETTE DR, ELKTON, MD 21921-6154
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 LAFAYETTE DR, ELKTON, MD 21921-6154

Mortgage

Document Number	0056940373
Date	Nov 5, 2025
Book Page	5694/373

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	112 LAFAYETTE DR, ELKTON, MD 21921-6154
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050960324
Date	Feb 2, 2022
Book Page	5096/324

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	171 Months
Due	May 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 112 Lafayette Dr was $3,873 with a homeowner's exemption, up 5.2% 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	$3,873.00 (+5.16%) Homeowner's exemption	$235,833	$253,100 Land $82,600 Building $170,500
2025	$3,683.00 Homeowner's exemption
2023	$2,773.00 Homeowner's exemption	$199,600	$201,300 Land $62,600 Building $138,700

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

Flood

FEMA maps place 112 Lafayette Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2021.

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
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

Wildfire risk around 112 Lafayette Dr 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 325 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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