144 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 144 E Main St, Elkton, MD 21921

Property Summary

Property Type	Commercial
Details	5.5 ba · 2,625 sqft · built 1900
Lot Size	0.099 acres (4,301 sqft)
Owner	Company Name on Record
Last Sale	$450,000 (Oct 2025)
Tax Bill	$4,876 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2025 Sale & Construction Loan
Flood Zone	Zone AE (high risk)
APN	`03-096475`

Property Details

APN / Parcel Number

Primary APN	`03-096475`
Alternative APNs	`3096475` `096475`

Interior

Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,625 sqft Total Area
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Lot Area	4,301 sqft (0.099 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	096475
Street Address	144 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5907
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C1
Legal Description	LOT 1 - .098 ACRE 144-146 EAST MAIN STREET ELKTON
Legal Lot Number	1
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	316 MECHANICS VALLEY RD, NORTH EAST, MD 21901-3850
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage HARFORD BANK
Oct 29, 2025	Deed, Construction Loan · Construction Mortgage RFLF 4 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Apr 11, 2014 · Amount on Record
Deed Book / Page	5691 / 38
Prior Transfer Date	Oct 29, 1990
Prior Transfer Doc	0324000821
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Jun 12, 2026
Property Address	144 E MAIN ST, ELKTON, MD 21921-5907
Document Number	5800000385
Book / Page	5800 / 385
Instrument Date	Jun 2, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	316 MECHANICS VALLEY RD, NORTH EAST, MD 21901-3850
Investor	Possibly a Property Investor

Mortgage

Document Number	5800000385,
Date	Jun 12, 2026
Book Page	5800/385

Lender

Name	HARFORD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Oct 29, 2025
Property Address	144 E MAIN ST, ELKTON, MD 21921-5907
Document Number	0056910038
Book / Page	5691 / 38
Instrument Date	Oct 15, 2025
Transaction Type	Construction Loan
Record Updated	Nov 12, 2025
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 MECHANICS VALLEY RD, NORTH EAST, MD 21901-3850

Mortgage

Document Number	0000569143
Date	Oct 29, 2025
Instrument	5691/43

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Nov 1, 2026

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	$4,876.00 (+4.21%)	$283,533 (+4.83%)	$296,600 (-) Land $67,400 Building $229,200
2025	$4,679.00 (+5.08%)	$270,467 (+5.68%)	$296,600 (+15.23%) Land $67,400 Building $229,200
2023	$4,453.00	$255,933	$257,400 Land $67,400 Building $190,000

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 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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