115 Lafayette Dr, Elkton, MD 21921 Property Records

Cecil County property record for 115 Lafayette Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,852 sqft · built 2005
Lot Size	0.226 acres (9,844 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Nov 2018)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-091678`

Property Details

APN / Parcel Number

Primary APN	`03-091678`
Alternative APNs	`3091678` `091678`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,852 sqft Total Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,844 sqft (0.226 acres)
Garage Type	Built-in
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	126 sqft
Deck Area	222 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	091678
Street Address	115 LAFAYETTE DR
City	ELKTON
State	MD
Zip	21921-6155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 126 - .226 ACRE 115 LAFAYETTE DRIVE COLONIAL RIDGE
Legal Subdivision	COLONIAL RIDGE
Legal Lot Number	126
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2001
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	115 LAFAYETTE DR, ELKTON, MD 21921-6155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 19, 2018	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2018 · Amount on Record
Deed Sale	Nov 19, 2018 · Amount on Record
Prior Sale	Aug 18, 2005 · Amount on Record
Deed Book / Page	4326 / 433
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	115 LAFAYETTE DR, ELKTON, MD 21921-6155
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052580076
Date	Nov 7, 2022
Book Page	5258/76

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Nov 19, 2018
Property Address	115 LAFAYETTE DR, ELKTON, MD 21921-6155
Document Number	0043260433
Book / Page	004326 / 000433
Instrument Date	Oct 26, 2018
Transaction Type	Transfer
Record Updated	Nov 30, 2018
Title Company	MID-ATLANTIC SETTLEMENT SERVICES, MID-ATLANTIC SETTLEMENT SVC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	115 LAFAYETTE DR ELKTON MD 219216155, ELKTON, MD 21921-6155

Mortgage

Document Number	43260440
Date	Nov 19, 2018
Book Page	004326/000440

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 18, 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		$270,600 (+13.43%)	$284,100 (+16.63%) Land $81,400 Building $202,700
2023	Disabled Person's exemption Veteran's exemption	$238,567	$243,600 Land $61,400 Building $182,200

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
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	0.01% 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 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.

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