156 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 156 E Main St, Elkton, MD 21921

Property Summary

Property Type	Exempt (Full or Partial)
Lot Size	0.328 acres (14,305 sqft)
Owner	Company Name on Record
Deeds & Mortgages	Apr 2026 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-058646`

Property Details

APN / Parcel Number

Primary APN	`03-058646`
Alternative APNs	`3058646` `058646`

Exterior

Lot Area	14,305 sqft (0.328 acres)

Location & Zoning

Account Number	058646
Street Address	156 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5907
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	C1
Legal Description	.3295 ACRE 156-160 EAST MAIN STREET ELKTON
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	PO BOX 157, ELKTON, MD 21922-0157
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL HOME LOAN MORTGAGE CORPORATION
Apr 9, 2020	Deed of Trust, Mortgage COMMUNITY DEV COMMISSION
Apr 1, 2020	Deed of Trust, Mortgage ELKTON HSNG AUTH

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Apr 14, 2026
Property Address	156 E MAIN ST, ELKTON, MD 21921-5907
Document Number	5769000076
Book / Page	5769 / 76
Instrument Date	Apr 8, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5769000076,
Date	Apr 14, 2026
Book Page	5769/76

Lender

Name	FEDERAL HOME LOAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	156 E MAIN ST, ELKTON, MD 21921-5907
Document Number	0045830360
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5 POWELL LN COLLINGSWOOD NJ 081081945, COLLINGSWOOD, NJ 08108-1945

Mortgage

Document Number	0045830360
Date	Apr 14, 2020
Book Page	004583/000360

Lender

Name	COMMUNITY DEV COMMISSION
Type	Construction/Development Company
Address	LANHAM, MD 20706

Agreement

Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	156 E MAIN ST, ELKTON, MD 21921-5907
Document Number	0045830422
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0045830422
Date	Apr 14, 2020
Book Page	004583/000422

Lender

Name	ELKTON HSNG AUTH
Address	ELKTON, MD 21921

Agreement

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		$93,500 (-) Land $93,500	$93,500 (-) Land $93,500
2025		$93,500 (-) Land $93,500	$93,500 (-) Land $93,500
2023	Additional exemption filed	$93,500 Land $93,500	$93,500 Land $93,500

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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