Cecil County property record for 190 E Main St, Elkton, MD 21921
| Property Type | Office Building |
|---|---|
| Details | 2,640 sqft · built 1967 |
| Lot Size | 0.084 acres (3,659 sqft) |
| Owner | Company Name on File |
| Last Sale | $600,000 (Mar 2012) |
| Tax Bill | $9,126 (2026) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-038513 |
| Primary APN | 03-038513 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,640 sqft Total Area |
| 1st Floor Area | 2,640 sqft |
| Basement Area | 1,440 sqft |
| Unfinished Basement | 1,440 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 3,659 sqft (0.084 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Account Number | 038513 |
|---|---|
| Street Address | 190 E MAIN ST |
| City | ELKTON |
| State | MD |
| Zip | 21921-5934 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | C1 |
| Legal Description | .084 ACRE 190-192 EAST MAIN STREET ELKTON |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 30400 |
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.
190 E Main St, a commercial property, is owned by a company that bought it in March 2012.
Source: Cecil County records, as of September 21, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 190 E MAIN ST, ELKTON, MD 21921-5934 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2012 · Amount on File |
| Deed Sale | Mar 14, 2012 · Amount on File |
| Prior Sale | Dec 30, 2004 · Amount on File |
| Deed Book / Page | 3162 / 393 |
| Transfer Doc | 0018080018 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 190 E MAIN ST, ELKTON, MD 21921-5934 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040690190 |
|---|---|
| Date | May 22, 2017 |
| Book Page | 4069/190 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Address | ELLICOTT CITY, MD 21043 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Index | Prime Rate |
The 2026 property tax bill for 190 E Main St was $9,126, up 2.8% from the year before.
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | Elkton Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,126.00 (+2.79%) | $530,600 (+3.39%) | $548,000 (-) Land $62,600 Building $485,400 |
| 2025 | $8,878.00 | $513,200 | $548,000 Land $62,600 Building $485,400 |
| 2023 | $8,626.00 | $495,800 Land $62,600 Building $433,200 | $495,800 Land $62,600 Building $433,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 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 |
|
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 risk around 190 E Main St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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