Cecil County property record for 120 Saint James Ct, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,680 sqft · built 1989 |
| Lot Size | 0.224 acres (9,757 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Jul 2015) |
| Tax Bill | $4,803 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-090205 |
| Primary APN | 03-090205 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,680 sqft Total Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,757 sqft (0.224 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Deck Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 090205 |
|---|---|
| Street Address | 120 SAINT JAMES CT |
| City | ELKTON |
| State | MD |
| Zip | 21921-6145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 1 - .224 ACRE 120 SAINT JAMES COURT TRINITY VILLAGE |
| Legal Subdivision | TRINITY VILLAGE |
| Legal Block | C |
| Legal Lot Number | 1 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 30508 |
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.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 120 SAINT JAMES CT, ELKTON, MD 21921-6145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2015 · Amount on Record |
| Deed Sale | Jul 28, 2015 · Amount on Record |
| Prior Sale | May 25, 2011 · Amount on Record |
| Deed Book / Page | 3757 / 436 |
| Last Transfer Date | May 1, 2025 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 120 SAINT JAMES CT, ELKTON, MD 21921-6145 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0048380250 |
|---|---|
| Date | Apr 2, 2021 |
| Book Page | 4838/250 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | Elkton Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,803.00 (+7.21%) | $279,300 (+18.11%) | $299,600 (+25.51%) Land $81,300 Building $218,300 |
| 2025 | $4,480.00 (+31.22%) | ||
| 2023 | $3,414.00 | $236,467 | $238,700 Land $61,300 Building $177,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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