138 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 138 E Main St, Elkton, MD 21921

Property Summary

Property Type	Restaurant
Details	1,104 sqft · built 1964
Lot Size	0.028 acres (1,200 sqft)
Owner	Company Name on Record
Tax Bill	$3,231 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`03-039994`

Property Details

APN / Parcel Number

Primary APN	`03-039994`
Alternative APNs	`3039994` `039994`

Interior

Stories	2 Stories
Building Area	1,104 sqft Total Area
1st Floor Area	1,104 sqft
Basement Area	552 sqft
Finished Basement	552 sqft
Unfinished Basement	552 sqft

Exterior

Exterior Material	Brick Veneer
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	1,200 sqft (0.028 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	039994
Street Address	138 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5907
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	C1
Legal Description	.0275 ACRE 138 EAST MAIN STREET ELKTON
Legal Subdivision	ROLLING HILLS
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	4
Census Block	4003
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	Company Name on Record
Mailing Address	616 RED HILL RD, ELKTON, MD 21921-5123
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Mar 4, 2020
Property Address	138 E MAIN ST, ELKTON, MD 21921-5907
Document Number	0045600332
Book / Page	004560 / 000332
Instrument Date	Feb 28, 2020
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	616 RED HILL RD ELKTON MD 219215123, ELKTON, MD 21921-5123

Mortgage

Document Number	45600337
Date	Mar 4, 2020
Book Page	004560/000337

Lender

Name	HARD MONEY BANKERS
Type	Funding / Finance Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional 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	$3,231.00 (+20.47%)	$187,867 (+53.74%)	$220,700 (+80.61%) Land $50,000 Building $170,700
2025	$2,682.00 (+26.15%)
2023	$2,126.00	$122,200 Land $50,000 Building $72,200	$122,200 Land $50,000 Building $72,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	7 in force
Nearby Flood Claims	48 (1978–2021)
Claims Outside the SFHA	27 of 48
Most Recent Claim	Sep 2021 · river or lake flooding
Claims by Event	Hurricane Irene, Aug 2011 · 3 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 3 claims Severe Storms And Flooding, Jan 1996 · 2 claims

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	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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: IQ Fiber, T-Mobile, Talkie Communications, Verizon.

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