Cecil County property record for 149 E Main St, Elkton, MD 21921
| Property Type | Office Building |
|---|---|
| Details | 4,124 sqft · built 1900 |
| Lot Size | 0.253 acres (11,000 sqft) |
| Owner | Company Name on File |
| Last Sale | $300,000 (Jun 2017) |
| Tax Bill | $5,503 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Oct 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-054438 |
| Primary APN | 03-054438 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,124 sqft Total Area |
| 1st Floor Area | 4,124 sqft |
| Basement Area | 1,628 sqft |
| Unfinished Basement | 1,628 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Fire Resistance | Wood or Wood & Steel Frame |
| Lot Area | 11,000 sqft (0.253 acres) |
| Porch | Slab |
| Porch Area | 84 sqft |
| Heating System | Hot Water |
|---|---|
| Sewer | Connected |
| Account Number | 054438 |
|---|---|
| Street Address | 149 E MAIN ST |
| City | ELKTON |
| State | MD |
| Zip | 21921-5917 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | RO |
| Legal Description | LOTS 149 & 151 149-151 EAST MAIN STREET ELKTON |
| Legal Lot Number | 149-151 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 30400 |
Source: Cecil County records · APN 03-054438
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 149 E MAIN ST, ELKTON, MD 21921-5917 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 06, 2022 | Deed of Trust, Mortgage HORIZON FARM CREDIT ACA |
| Jun 15, 2022 | Deed of Trust, Mortgage · Commercial Mortgage HARFORD BANK |
| Nov 12, 2020 | Deed of Trust, Mortgage ELKTON MD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 29, 2017 · Amount on Record |
| Deed Sale | Jun 29, 2017 · Amount on Record |
| Deed Book / Page | 4092 / 487 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 149 E MAIN ST, ELKTON, MD 21921-5917 |
| Transaction Type | Mortgage |
| Record Updated | Nov 07, 2025 |
| Title Company | ARDENT TITLE COMPANY LLC |
| Name | Verified Name |
|---|---|
| Address | 1911 KYNWYD RD, WILMINGTON, DE 19810-3841 |
| Document Number | 0056890037 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | 5689/37 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 149 E MAIN ST, ELKTON, MD 21921-5917 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Title Company | ARDENT TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0052430160 |
|---|---|
| Date | Oct 06, 2022 |
| Book Page | 5243/160 |
| Name | HORIZON FARM CREDIT ACA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 149 E MAIN ST, ELKTON, MD 21921-5917 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051840452 |
|---|---|
| Date | Jun 15, 2022 |
| Book Page | 5184/452 |
| Name | HARFORD BANK |
|---|---|
| Type | Bank |
| Address | ABERDEEN, MD 21001 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 149 E MAIN ST, ELKTON, MD 21921-5917 |
| Document Number | 0047330265 |
| Instrument Date | Nov 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Title Company | TITLE COMPANY LLC, TITLE CO LLC |
| Name | Verified Name |
|---|---|
| Address | 149 E MAIN ST ELKTON MD 219215917, ELKTON, MD 21921-5917 |
| Document Number | 0047330265 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 004733/000265 |
| Name | ELKTON MD |
|---|---|
| Address | 1475 COLEBROOK RD, LEBANON, PA 17042-9507 |
| Amount | Amount Recorded |
|---|
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | Elkton Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $331,600 (+9.84%) | $345,100 (+13.3%) Land $98,500 Building $246,600 | |
| 2025 | $5,503.00 (+4.76%) | ||
| 2023 | $5,253.00 | $301,900 | $304,600 Land $98,500 Building $206,100 |
Source: FEMA National Flood Hazard Layer as of May 10, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 3 (1978–1999) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 1999 · Hurricane Floyd Major Disaster Declarations |
| 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 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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: IQ Fiber Intermediate Holdings.
Based on FCC filings for 417 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF ELKTON serves 15,625 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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