226 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 226 E Main St, Elkton, MD 21921

Property Summary

Property Type	Commercial
Details	3 ba · 4,810 sqft · built 1900
Lot Size	0.32 acres (13,939 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Aug 2022)
Tax Bill	$6,767 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-044335`

Property Details

APN / Parcel Number

Primary APN	`03-044335`
Alternative APNs	`3044335` `044335`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Units	3 Units
Stories	3 Stories
Building Area	4,810 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Detached
Garage Area	884 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	280 sqft
Deck Area	230 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	044335
Street Address	226 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5716
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RO
Legal Description	.32 ACRE 226 EAST MAIN STREET ELKTON
Legal Subdivision	FINAL PLAT LANDS OF DENVER FORRESTER
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	Company Name on Record
Mailing Address	224 E MAIN ST, ELKTON, MD 21921-5790
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed, Transfer · Unknown HARFORD BANK
Aug 30, 2022	Deed, Transfer ARDENT TITLE COMPANY LLC
Dec 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Jun 16, 2020	Deed of Trust, Mortgage HARFORD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Aug 30, 2022 · Amount on Record
Deed Book / Page	5224 / 229
Prior Transfer Date	Aug 7, 2009
Prior Transfer Doc	0000279733
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 30, 2022
Property Address	226 E MAIN ST, ELKTON, MD 21921-5702
Document Number	0052240229
Book / Page	5224 / 229
Instrument Date	Aug 9, 2022
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	ARDENT TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
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
Address	224 E MAIN ST, ELKTON, MD 21921-5790

Mortgage

Document Number	0005224236
Date	Aug 30, 2022
Instrument	5224-236

Lender

Name	HARFORD BANK
Type	Bank

Agreement

Type	Unknown
Amount	Amount Recorded

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 30, 2022
Property Address	226 E MAIN ST, ELKTON, MD 21921-5702
Document Number	0052240221
Book / Page	5224 / 221
Instrument Date	Aug 5, 2022
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	ARDENT TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	226 E MAIN ST, ELKTON, MD 21921-5702
Transaction Type	Mortgage
Record Updated	Jan 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050680379
Date	Dec 28, 2021
Book Page	5068/379

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	HERMITAGE, PA 16148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	226 E MAIN ST, ELKTON, MD 21921-5702
Document Number	0046270442
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	226 E MAIN ST ELKTON MD 219215702, ELKTON, MD 21921-5702

Mortgage

Document Number	0046270442
Date	Jun 26, 2020
Book Page	004627/000442

Lender

Name	HARFORD BK
Type	Bank
Address	ABERDEEN, MD 21001

Agreement

Amount	Amount Recorded

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	$6,767.00 (+10.09%)	$393,433 (+25.48%)	$431,500 (+35.99%) Land $108,700 Building $322,800
2025	$6,147.00 (+12.69%)
2023	$5,455.00	$313,533	$317,300 Land $108,700 Building $208,600

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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