126 Lafayette Dr, Elkton, MD 21921 Property Records

Cecil County property record for 126 Lafayette Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,067 sqft · built 1996
Lot Size	0.331 acres (14,418 sqft)
Owner	2 Individual Names on File
Last Sale	$123,500 (Jul 1998)
Tax Bill	$3,837 (2026)
Deeds & Mortgages	Aug 2019 Second Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-091570`

Property Details

APN / Parcel Number

Primary APN	`03-091570`
Alternative APNs	`3091570` `091570`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	2,067 sqft Total Area
Basement Area	552 sqft
Finished Basement	552 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	14,418 sqft (0.331 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	72 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	091570
Street Address	126 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 97 - .33 ACRE 126 LAFAYETTE DRIVE COLONIAL RIDGE
Legal Subdivision	COLONIAL RDG
Legal Lot Number	97
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

126 Lafayette Dr is owned and occupied by two individuals who bought it in July 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	126 LAFAYETTE DR, ELKTON, MD 21921-6155
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
Aug 16, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage ABERDEEN PROVING GROUND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 1998 · Amount on File
Deed Sale	Jul 2, 1998 · Amount on File
Prior Sale	Sep 23, 1996 · Amount on File
Deed Document Number	1998241851
Deed Book / Page	730 / 418
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	126 LAFAYETTE DR, ELKTON, MD 21921-6155
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	MARVEL TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044470448
Date	Aug 16, 2019
Book Page	4447/448

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jul 25, 2029

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	126 LAFAYETTE DR, ELKTON, MD 21921-6155
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0046960308
Date	Oct 7, 2020
Book Page	4696/308

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 126 Lafayette Dr was $3,837 with a homeowner's exemption, up 5.3% 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	$3,837.00 (+5.3%) Homeowner's exemption	$284,867	$327,800 Land $83,700 Building $244,100
2025	$3,644.00 Homeowner's exemption
2023	$2,734.00 Homeowner's exemption	$197,367	$199,000 Land $63,700 Building $135,300

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

Flood

FEMA maps place 126 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 126 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	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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