118 Mitchell St, Elkton, MD 21921 Property Records

Cecil County property record for 118 Mitchell St, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,080 sqft · built 1961
Lot Size	0.216 acres (9,430 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Dec 2022)
Tax Bill	$2,623 (2026)
Deeds & Mortgages	Dec 2022 Second Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-038270`

Property Details

APN / Parcel Number

Primary APN	`03-038270`
Alternative APNs	`3038270` `038270`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Total Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,430 sqft (0.216 acres)
Porch	Slab
Porch Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	038270
Street Address	118 MITCHELL ST
City	ELKTON
State	MD
Zip	21921-5715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.22 ACRE 118 MITCHELL STREET ELKTON
Legal Subdivision	FRIENDSHIP HEIGHTS SOUTH MITCH
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2000
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

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	Individual Name on Record
Mailing Address	118 MITCHELL ST, ELKTON, MD 21921-5715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FVCBANKS
Dec 21, 2022	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Prior Sale	Jul 5, 2007 · Amount on Record
Deed Book / Page	5274 / 510
Prior Transfer Date	Jun 23, 2006
Prior Transfer Doc	0021640596
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	118 MITCHELL ST, ELKTON, MD 21921-5715
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 MITCHELL ST, ELKTON, MD 21921-5715

Mortgage

Document Number	0052740550
Date	Dec 21, 2022
Book Page	5274/550

Lender

Name	FVCBANKS
Type	Bank
Address	FAIRFAX, VA 22030

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Dec 21, 2022
Property Address	118 MITCHELL ST, ELKTON, MD 21921-5715
Document Number	0052740510
Book / Page	5274 / 510
Instrument Date	Dec 12, 2022
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	ARDENT TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 MITCHELL ST, ELKTON, MD 21921-5715

Mortgage

Document Number	0052740517
Date	Dec 21, 2022
Instrument	5274-0517

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Mortgage

Document Number	0052740537
Date	Dec 21, 2022
Book Page	5274/537

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$2,623.00 (+8.79%)	$152,533 (+9.45%)	$165,700 (-) Land $60,900 Building $104,800
2025	$2,411.00 (+63.24%)	$139,367 (+11.38%)	$165,700 (+31.3%) Land $60,900 Building $104,800
2023	$1,477.00 (+5.73%)	$125,133 (+0.86%)	$126,200 (-) Land $31,200 Building $95,000
2022	$1,397.00	$124,067	$126,200 Land $31,200 Building $95,000

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	Under 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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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