209 Gilpin Ave, Elkton, MD 21921 Property Records

Cecil County property record for 209 Gilpin Ave, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,626 sqft · built 1966
Lot Size	0.436 acres (18,992 sqft)
Owner	2 Individual Names on File
Last Sale	$439,000 (Jun 2026)
Tax Bill	$5,245 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2024 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-044858`

Property Details

APN / Parcel Number

Primary APN	`03-044858`
Alternative APNs	`3044858` `044858`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,626 sqft Total Area
Basement Area	675 sqft
Finished Basement	675 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	18,992 sqft (0.436 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Pool Area	525 sqft
Porch	Slab
Porch Area	115 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	044858
Street Address	209 GILPIN AVE
City	ELKTON
State	MD
Zip	21921-4904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 7 - .436 ACRE 209 GILPIN AVENUE GILPIN HEIGHTS
Legal Subdivision	GILPIN HEIGHTS
Legal Lot Number	7
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1016
Census Tract	30503

Owner

209 Gilpin Ave is owned and occupied by two individuals who bought it in June 2026.

Source: Cecil County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	209 GILPIN AVE, ELKTON, MD 21921-4904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed, Transfer · Seller Carry-Back LIBERTY TITLE
Jan 25, 2024	Trustee's Deed, Foreclosure
May 14, 2019	Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP
Jan 22, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2026 · Amount on File
Deed Sale	Jun 3, 2026 · Amount on File
Prior Sale	Dec 13, 2024 · Amount on File
Deed Book / Page	5794 / 198
Prior Transfer Date	Nov 21, 2023
Prior Transfer Doc	0054230412
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 3, 2026
Property Address	209 GILPIN AVE, ELKTON, MD 21921-4904
Document Number	0057940198
Book / Page	5794 / 198
Instrument Date	May 15, 2026
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	LIBERTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$443,390.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	209 GILPIN AVE, ELKTON, MD 21921-4904

Mortgage

Document Number	5794000205,
Date	Jun 3, 2026
Book Page	5794/205

Lender

Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount on Record

Interest

Rate	6.23%
Max Rate	-1%

January 2024: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CECIL MD
Recording Date	Jan 25, 2024
Property Address	209 GILPIN AVE, ELKTON, MD 21921-4904
Document Number	0054230412
Book / Page	5423 / 412
Map Reference	LB WAS 1 FO 64
Instrument Date	Nov 21, 2023
Transaction Type	Foreclosure
Record Updated	Feb 5, 2024

Transaction

Amount	Amount on Record
Tax	$1,244.10
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WEST END AVE STE 760W, 760W, NASHVILLE, TN 37203-1042

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 14, 2019
Property Address	209 GILPIN AVE, ELKTON, MD 21921-4904
Document Number	0044000064
Book / Page	4400 / 064
Map Reference	LB WAS 1 FO 64
Instrument Date	Apr 29, 2019
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	KIRSH TITLE SERVICES INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	209 GILPIN AVE, ELKTON, MD 21921-4904

Mortgage

Document Number	0000440069
Date	May 14, 2019
Instrument	4400/69

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Jan 22, 2018
Property Address	209 GILPIN AVE, ELKTON, MD 21921-4904
Document Number	0041910464
Book / Page	004191 / 000464
Instrument Date	Nov 21, 2017
Transaction Type	Transfer
Record Updated	Jan 26, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	209 GILPIN AVE ELKTON MD 219214904, ELKTON, MD 21921-4904

Tax Assessment & Valuation

The 2026 property tax bill for 209 Gilpin Ave was $5,245, up 5.9% from the year before.

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	$5,245.00 (+5.94%)	$304,967 (+6.55%)	$323,700 (-) Land $71,900 Building $251,800
2025	$4,951.00	$286,233	$323,700 Land $71,900 Building $251,800
2023	$60.00 Disabled Person's exemption Veteran's exemption	$253,733	$267,500 Land $71,900 Building $195,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 209 Gilpin Ave in Zone X, an area of minimal flood risk.

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	3 in force

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

The area around 209 Gilpin Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 167 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

May also be available: Talkie Communications.

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