140 McKeown Rd, Elkton, MD 21921 Property Records

Cecil County property record for 140 McKeown Rd, Elkton, MD 21921

Property Summary

Property Type	Rural Home
Details	3 ba · 3,900 sqft · built 1997
Lot Size	27.5 acres (1,198,771 sqft)
Owner	2 Individual Names on File
Last Sale	$655,000 (Jul 2020)
Tax Bill	$7,475 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-039494`

Property Details

APN / Parcel Number

Primary APN	`02-039494`
Alternative APNs	`2039494` `039494`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,900 sqft Total Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,198,771 sqft (27.5 acres)
Garage Type	Mixed
Garage Area	1,560 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	180 sqft
Deck Area	243 sqft
Patio Area	471 sqft
Shed	1 Shed
Shed Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	039494
Street Address	140 MCKEOWN RD
City	ELKTON
State	MD
Zip	21921-7904
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	NAR
Legal Description	LOT 2 -27.5226 ACRES 140 MCKEOWN ROAD S/W OF ELKTON
Legal Subdivision	GLENN M & JANET E SENSENIG
Legal Lot Number	2
Jurisdiction	CECIL MD
Township / Civil Division	2, CHESAPEAKE CITY
Census Block Group	1
Census Block	1012
Census Tract	30200

Owner

140 McKeown Rd, a rural home, is owned and occupied by two individuals who bought it in July 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	140 MCKEOWN RD, ELKTON, MD 21921-7904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage HORIZON FARM CREDIT ACA
Jul 23, 2020	Grant Deed, Transfer · Conventional Mortgage TAM LNDG CTR INC
Sep 1, 2017	Deed of Trust, Mortgage EMBRACE HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2020 · Amount on File
Deed Sale	Jul 23, 2020 · Amount on File
Prior Sale	Nov 16, 2009 · Amount on File
Deed Book / Page	4644 / 71
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Apr 3, 2026
Property Address	140 MCKEOWN RD, ELKTON, MD 21921-7904
Document Number	5764000334
Book / Page	5764 / 334
Instrument Date	Mar 26, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 MCKEOWN RD, ELKTON, MD 21921-7904

Mortgage

Document Number	5764000334,
Date	Apr 3, 2026
Book Page	5764/334

Lender

Name	HORIZON FARM CREDIT ACA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	5.98%
Max Rate	-1%

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Jul 23, 2020
Property Address	140 MCKEOWN RD, ELKTON, MD 21921-7904
Document Number	0046440078
Book / Page	004644 / 000078
Instrument Date	Jul 13, 2020
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$655.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	140 MCKEOWN RD ELKTON MD 219217904, ELKTON, MD 21921-7904

Mortgage

Document Number	46440079
Date	Jul 23, 2020
Book Page	004644/000079

Lender

Name	TAM LNDG CTR INC
Address	CHERRY HILL, NJ 08003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	140 MCKEOWN RD, ELKTON, MD 21921-7904
Document Number	0041310315
Book / Page	004131 / 000315
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2017
Title Company	GLOBAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 MCKEOWN RD ELKTON MD 219217904, ELKTON, MD 21921-7904

Mortgage

Document Number	0041310315
Date	Sep 15, 2017
Book Page	004131/000315

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 140 McKeown Rd was $7,475, up 3% from the year before.

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,475.00 (+2.96%)	$683,833 (+3.93%)	$709,700 (-) Land $222,600 Building $487,100
2025	$7,260.00	$657,967	$709,700 Land $222,600 Building $487,100
2023	$5,527.00	$585,567	$632,100 Land $222,600 Building $409,500

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

Flood

FEMA maps place 140 McKeown Rd in Zone X, an area of minimal flood risk, though there have been 45 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	45 (1978–2024)
Claims Outside the SFHA	4 of 45
Most Recent Claim	Aug 2024 · other causes
Claims by Event	Hurricane Isabel, Sep 2003 · 26 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

Wildfire risk around 140 McKeown Rd is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Verizon Fixed Wireless	300 / 20

May also be available: Breezeline, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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