127 Continental Dr, Elkton, MD 21921 Property Records

Cecil County property record for 127 Continental Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,336 sqft · built 2005
Lot Size	0.246 acres (10,715 sqft)
Owner	2 Individual Names on File
Last Sale	$199,999 (Mar 2024)
Tax Bill	$3,858 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-091961`

Property Details

APN / Parcel Number

Primary APN	`03-091961`
Alternative APNs	`3091961` `091961`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,336 sqft Total Area
Basement Area	280 sqft
Finished Basement	280 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	10,715 sqft (0.246 acres)
Garage Type	Basement
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	091961
Street Address	127 CONTINENTAL DR
City	ELKTON
State	MD
Zip	21921-6107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 18 - .246 ACRE 127 CONTINENTAL DRIVE COLONIAL RIDGE
Legal Subdivision	FINAL LPLAT COLONIAL RIDGE
Legal Lot Number	18
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1004
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

127 Continental Dr is owned and occupied by two individuals who bought it in March 2024.

Source: Cecil County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107
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
Sep 30, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Mar 11, 2024	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 24, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES OF AMERICA
Aug 31, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Mar 6, 2017	Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC
Dec 22, 2016	Deed of Trust, Mortgage BAYSHORE MTG FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2024 · Amount on File
Deed Sale	Mar 11, 2024 · Amount on File
Prior Sale	Mar 6, 2017 · Amount on File
Deed Book / Page	5437 / 420
Prior Transfer Date	Dec 21, 2023
Prior Transfer Doc	0054370420
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Sep 30, 2026
Property Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107
Document Number	5854000241
Book / Page	5854 / 241
Instrument Date	Sep 1, 2026
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107

Mortgage

Document Number	5854000241,
Date	Sep 30, 2026
Book Page	5854/241

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2066

Interest

Max Rate	-1%

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Mar 11, 2024
Property Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107
Document Number	0054370420
Book / Page	5437 / 420
Map Reference	MB PC 67 FO 100
Instrument Date	Dec 21, 2023
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107

Mortgage

Document Number	0054370427
Date	Mar 11, 2024
Instrument	5437-0427

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2054

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107

Mortgage

Document Number	0051110190
Date	Feb 24, 2022
Book Page	5111/190

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	SAINT LOUIS, MO 63120

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107

Mortgage

Document Number	0052250306
Date	Aug 31, 2022
Book Page	5225/306

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2052

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Mar 6, 2017
Property Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107
Document Number	0040320004
Book / Page	4032 / 004
Map Reference	MB PC67 FO100
Instrument Date	Dec 22, 2016
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	ADVANCED TITLE & SETTLEMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107

Mortgage

Document Number	0040320012
Date	Mar 6, 2017
Book Page	4032/012

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2047

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	127 CONTINENTAL DR, ELKTON, MD 21921-6107
Document Number	0041060287
Book / Page	004106 / 000287
Instrument Date	Dec 22, 2016
Transaction Type	Mortgage
Record Updated	Oct 2, 2017
Title Company	ADVANCED TITLE AND SETTLEMENTS L, ADVANCED TITLE & SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 CONTINENTAL DR ELKTON MD 219216107, ELKTON, MD 21921-6107

Mortgage

Document Number	0041060287
Date	Jun 3, 2017
Book Page	004106/000287

Lender

Name	BAYSHORE MTG FNDG
Type	Mortgage Company
Address	LUTHERVILLE-TIMONIUM, MD 21093

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 127 Continental Dr was $3,858 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	$3,858.00 (+5.18%) Homeowner's exemption	$235,167 (+7.96%)	$252,500 (-) Land $81,800 Building $170,700
2025	$3,668.00 Homeowner's exemption	$217,833	$252,500 Land $81,800 Building $170,700
2023	$2,775.00 Homeowner's exemption	$199,733	$200,500 Land $61,800 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 127 Continental Dr in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 127 Continental Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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