157 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 157 E Main St, Elkton, MD 21921

Property Summary

Property Type	Commercial
Details	2 ba · 3,945 sqft · built 1900
Lot Size	0.18 acres (7,840 sqft)
Owner	Company Name on Record
Last Sale	$367,630 (Apr 2023)
Tax Bill	$5,751 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-053210`

Property Details

APN / Parcel Number

Primary APN	`03-053210`
Alternative APNs	`3053210` `053210`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Units	3 Units
Stories	3 Stories
Building Area	3,945 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Stucco
Roof Material	Slate
Lot Area	7,840 sqft (0.18 acres)
Deck Area	91 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	053210
Street Address	157 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5977
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RO
Legal Description	.18 ACRE 157 EAST MAIN STREET ELKTON
Legal Subdivision	ELKWOOD ESTATES
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2013
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	110 OLD FERRY RD, ELKTON, MD 21921-7623
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2023 · Amount on Record
Deed Sale	Apr 20, 2023 · Amount on Record
Prior Sale	Apr 20, 2023 · Amount on Record
Deed Book / Page	5316 / 24
Prior Transfer Date	Dec 16, 2015
Prior Transfer Doc	0038490448
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 20, 2023
Property Address	157 E MAIN ST, ELKTON, MD 21921-5977
Document Number	0053160002
Book / Page	5316 / 2
Instrument Date	Apr 7, 2023
Transaction Type	Transfer
Record Updated	May 8, 2023
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	$1,838.15
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 OLD FERRY RD, ELKTON, MD 21921-7623

Mortgage

Document Number	0053160008
Date	Apr 20, 2023
Instrument	5316-0008

Lender

Name	HARFORD BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,751.00 (+5%)	$334,400 (+5.62%)	$352,200 (-) Land $87,400 Building $264,800
2025	$5,477.00 (+6.08%)	$316,600 (+6.7%)	$352,200 (+17.87%) Land $87,400 Building $264,800
2023	$5,163.00	$296,733	$298,800 Land $87,400 Building $211,400

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 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

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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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