14 Henry Way, Elkton, MD 21921 Property Records

Cecil County property record for 14 Henry Way, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,824 sqft · built 2005
Lot Size	0.216 acres (9,395 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Nov 2022)
Tax Bill	$7,254 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Oct 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`03-118320`

Property Details

APN / Parcel Number

Primary APN	`03-118320`
Alternative APN	`118320`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,824 sqft Total Area
Basement Area	1,245 sqft
Finished Basement	1,245 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,395 sqft (0.216 acres)
Garage Type	Mixed
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	95 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	118320
Street Address	14 HENRY WAY
City	ELKTON
State	MD
Zip	21921-5173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 266 - .216 ACRE 14 HENRY WAY CLUB AT PATRIOTS GLEN
Legal Subdivision	CLUB AT PATRIOTS GLEN
Legal Lot Number	266
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1006
Census Tract	30507

Owner

14 Henry Way is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	14 HENRY WAY, ELKTON, MD 21921-5173
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
Nov 7, 2022	Deed, Transfer · Conventional Mortgage VALLEY WEST CORP
Oct 12, 2017	Loan Modification, Mortgage · Conventional Mortgage M&T BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2022 · Amount on File
Deed Sale	Nov 7, 2022 · Amount on File
Prior Sale	Jun 29, 2005
Deed Book / Page	5257 / 393
Prior Transfer Date	Nov 2, 2022
Prior Transfer Doc	0052570393
Record Updated	Oct 29, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Nov 7, 2022
Property Address	14 HENRY WAY, ELKTON, MD 21921-5173
Document Number	0052570393
Book / Page	5257 / 393
Map Reference	MB 1104 FO 2
Instrument Date	Nov 2, 2022
Transaction Type	Transfer
Record Updated	Dec 29, 2022
Title Company	ARDENT TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,250.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 HENRY WAY, ELKTON, MD 21921-5173

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052570398
Date	Nov 7, 2022
Instrument	5257-0398

Lender

Name	VALLEY WEST CORP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CECIL MD
Property Address	14 HENRY WAY, ELKTON, MD 21921-5173
Document Number	0041540449
Book / Page	004154 / 000449
Instrument Date	Oct 12, 2017
Transaction Type	Mortgage
Record Updated	Nov 24, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 CROSSPOINT PKWY GETZVILLE NY 140681609, GETZVILLE, NY 14068-1609

Mortgage

Document Number	0041540449
Date	Nov 2, 2017
Book Page	004154/000449

Lender

Name	M&T BK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Nov 1, 2057

Interest

Rate	4.12%

Tax Assessment & Valuation

The 2026 property tax bill for 14 Henry Way was $7,254, up 6.8% 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	$7,254.00 (+6.85%)	$421,767 (+7.47%)	$451,100 (-) Land $92,600 Building $358,500
2025	$6,789.00	$392,433	$451,100 Land $92,600 Building $358,500
2023	$5,326.00	$346,367	$363,100 Land $92,600 Building $270,500

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

Flood

FEMA maps place 14 Henry Way 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	1 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 14 Henry Way 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 96% of the US · lower than 92% 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
IQ Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

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