132 Lafayette Dr, Elkton, MD 21921 Property Records

Cecil County property record for 132 Lafayette Dr, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 976 sqft · built 1996
Lot Size	0.418 acres (18,208 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Jul 2022)
Tax Bill	$4,046 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-091562`

Property Details

APN / Parcel Number

Primary APN	`03-091562`
Alternative APNs	`3091562` `091562`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	976 sqft Total Area
Basement Area	684 sqft
Finished Basement	684 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	18,208 sqft (0.418 acres)
Pool Area	800 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	091562
Street Address	132 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 100 - .418 ACRE 132 LAFAYETTE DRIVE COLONIAL RIDGE
Legal Subdivision	COLONIAL RIDGE
Legal Lot Number	100
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

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	132 LAFAYETTE DR, ELKTON, MD 21921-6155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Jul 20, 2022	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2022 · Amount on Record
Deed Sale	Jul 20, 2022 · Amount on Record
Prior Sale	Aug 28, 2007 · Amount on Record
Deed Book / Page	5203 / 188
Prior Transfer Date	Aug 3, 2005
Prior Transfer Doc	1998000065
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	132 LAFAYETTE DR, ELKTON, MD 21921-6155
Transaction Type	Mortgage
Record Updated	Mar 17, 2023
Title Company	LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE STLMT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 LAFAYETTE DR, ELKTON, MD 21921-6155

Mortgage

Document Number	0053000173
Date	Mar 6, 2023
Book Page	5300/173

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	Other
Margin	3
Max Rate	10.3%

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jul 20, 2022
Property Address	132 LAFAYETTE DR, ELKTON, MD 21921-6155
Document Number	0052030188
Book / Page	5203 / 188
Map Reference	MB 65 FO 97
Instrument Date	Jul 13, 2022
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	ARDENT TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	132 LAFAYETTE DR, ELKTON, MD 21921-6155

Mortgage

Document Number	0005203193
Date	Jul 20, 2022
Instrument	5203-193

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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	$4,046.00 (+5.31%) Homeowner's exemption	$278,000 (+13.98%)	$312,100 (-) Land $85,600 Building $226,500
2025	$3,842.00 (+32.76%) Homeowner's exemption	$243,900 (+18.07%)	$312,100 (+48.76%) Land $85,600 Building $226,500
2023	$2,894.00 Homeowner's exemption	$206,567	$209,800 Land $65,600 Building $144,200

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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