222 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 222 E Main St, Elkton, MD 21921

Property Summary

Property Type	Commercial
Details	9 ba · 4,805 sqft · built 1900
Lot Size	0.675 acres (29,406 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Apr 2022)
Tax Bill	$8,212 (2026)
Deeds & Mortgages	Apr 2022 Sale & Second Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-053385`

Property Details

APN / Parcel Number

Primary APN	`03-053385`
Alternative APNs	`3053385` `053385`

Interior

Full Baths	9 Baths
Units	18 Units
Stories	2 Stories
Building Area	4,805 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	29,406 sqft (0.675 acres)
Porch	Slab
Porch Area	546 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Account Number	053385
Street Address	222 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5719
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RO
Legal Description	.675 ACRE 222 EAST MAIN STREET ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	4
Census Block	4001
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	2 Individual Names on Record
Mailing Address	3605 SOUTHSIDE AVE, PHOENIX, MD 21131-1734
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed, Transfer · Stand-Alone Second Mortgage FREE STATE EQUITY GROUP LLC
Jan 4, 2019	Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Prior Sale	Jan 4, 2019 · Amount on Record
Deed Book / Page	5138 / 229
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 4, 2022
Property Address	222 E MAIN ST, ELKTON, MD 21921-5719
Document Number	0051380229
Book / Page	5138 / 229
Instrument Date	Mar 21, 2022
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NEW WORLD TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3605 SOUTHSIDE AVE, PHOENIX, MD 21131-1734

Mortgage

Document Number	0005138261
Date	Apr 4, 2022
Instrument	5138/261

Lender

Name	FREE STATE EQUITY GROUP LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0051380235
Date	Apr 4, 2022
Book Page	5138/235

Lender

Name	WST STAR HOLDING LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 4, 2019
Property Address	222 E MAIN ST, ELKTON, MD 21921-5719
Document Number	0043450149
Book / Page	4345 / 149
Instrument Date	Dec 7, 2018
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	406 S TOLLGATE RD, BEL AIR, MD 21014-5231

Mortgage

Document Number	0043450155
Date	Jan 4, 2019
Book Page	4345/155

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BEL AIR, MD 21014

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	$8,212.00 (+13.25%)	$477,467 (+32.4%)	$535,800 (+48.5%) Land $162,900 Building $372,900
2025	$7,251.00 (+15.55%)
2023	$6,275.00	$360,633	$360,800 Land $162,900 Building $197,900

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	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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	0.02% 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 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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