2 Warner Rd, Elkton, MD 21921 Property Records

Cecil County property record for 2 Warner Rd, Elkton, MD 21921

Property Summary

Property Type	Hotel
Details	46,432 sqft · built 2002
Lot Size	3.15 acres (137,214 sqft)
Owner	Company Name on Record
Last Sale	$1,000,000 (Jan 2022)
Tax Bill	$87,986 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-110036`

Property Details

APN / Parcel Number

Primary APN	`03-110036`
Alternative APNs	`3110036` `110036`

Interior

Units	71 Units
Stories	4 Stories
Building Area	46,432 sqft Total Area
1st Floor Area	46,432 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	137,214 sqft (3.15 acres)
Porch	Slab
Porch Area	960 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	110036
Street Address	2 WARNER RD
City	ELKTON
State	MD
Zip	21921-5000
Property Category	Commercial
Property Type	Commercial > Retail > Hotel
Local Zoning Code	C3
Legal Description	PARCEL 4-3.158 ACRES 2 WARNER ROAD N/E OF ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2042
Census Tract	30503

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	2 WARNER RD, ELKTON, MD 21921-5000
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN
Jan 28, 2022	Special Warranty Deed, Transfer · Commercial Mortgage ACCESS POINT FINANCIAL LLC
Jan 28, 2022	Lease, Transfer COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2022 · Amount on Record
Deed Sale	Jan 28, 2022 · Amount on Record
Prior Sale	Sep 13, 1999 · Amount on Record
Deed Book / Page	5094 / 318
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	2 WARNER RD, ELKTON, MD 21921-5000
Transaction Type	Mortgage
Record Updated	Jan 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4680 AUTUMN GLORY WAY, CHANTILLY, VA 20151-2361

Mortgage

Document Number	0057300330
Date	Jan 15, 2026
Book Page	5730/330

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Jun 11, 2055

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CECIL MD
Recording Date	Jan 28, 2022
Property Address	2 WARNER RD, ELKTON, MD 21921-5000
Document Number	0050940318
Book / Page	5094 / 318
Instrument Date	Dec 30, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 DODGE DR, 131, SMYRNA, DE 19977-1880

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 WARNER RD, ELKTON, MD 21921-5000

Mortgage

Document Number	0005094409
Date	Jan 28, 2022
Instrument	5094/409

Lender

Name	ACCESS POINT FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Lease, Transfer

Document Type	Lease
Jurisdiction	CECIL MD
Recording Date	Jan 28, 2022
Property Address	2 WARNER RD, ELKTON, MD 21921-5000
Document Number	0050940298
Book / Page	5094 / 298
Instrument Date	Nov 1, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	COMMONWEALTH LAND TITLE INSURANCE COMPANY, COMMONWEALTH LAND TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$87,986.00 (+10.6%)	$5,115,467 (+29.68%)	$5,700,000 (+44.44%) Land $1,028,900 Building $4,671,100
2025	$79,552.00 (+15.9%)
2023	$68,637.00	$3,944,667	$3,946,400 Land $1,028,900 Building $2,917,500

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	6 (1996–2020)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Aug 2020 · rainfall accumulation
Claims by Event	Hurricane Floyd Major Disaster Declarations, Sep 1999 · 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 95% of the US · lower than 90% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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