227 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 227 E Main St, Elkton, MD 21921

Property Summary

Property Type	Commercial
Details	2.5 ba · 3,050 sqft · built 1900
Lot Size	0.137 acres (5,976 sqft)
Owner	Company Name on Record
Last Sale	$248,500 (Aug 2022)
Tax Bill	$3,867 (2026)
Deeds & Mortgages	Aug 2022 Sale Nov 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`03-054012`

Property Details

APN / Parcel Number

Primary APN	`03-054012`
Alternative APNs	`3054012` `054012`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,050 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,976 sqft (0.137 acres)
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	054012
Street Address	227 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5717
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RO
Legal Description	.1372 ACRE 227 EAST MAIN STREET ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2007
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	12006 RIVER RD, POTOMAC, MD 20854-1246
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed, Transfer PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMT & TTL SVCS LLC
Nov 16, 2020	Deed, Construction Loan · Construction Mortgage FIRST RESOURCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Nov 16, 2020 · Amount on Record
Deed Book / Page	5221 / 419
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 26, 2022
Property Address	227 E MAIN ST, ELKTON, MD 21921-5717
Document Number	0052210419
Book / Page	5221 / 419
Instrument Date	Jul 7, 2022
Transaction Type	Transfer
Record Updated	Sep 2, 2022
Title Company	PREMIER SETTLEMENT AND TITLE SERVICES, PREMIER STLMT & TTL SVCS LLC

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
Address	12006 RIVER RD, POTOMAC, MD 20854-1246

November 2020: Deed, Construction Loan

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Nov 16, 2020
Property Address	227 E MAIN ST, ELKTON, MD 21921-5717
Document Number	0047270108
Book / Page	4727 / 108
Instrument Date	Oct 19, 2020
Transaction Type	Construction Loan
Record Updated	Aug 11, 2022

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
Address	320 TURNER LN # B, B, WEST CHESTER, PA 19380-4538

Mortgage

Document Number	0004727113
Date	Nov 16, 2020
Instrument	4727/113

Lender

Name	FIRST RESOURCE BANK
Type	Bank

Agreement

Type	Construction Mortgage
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	$3,867.00 (+0.29%)	$224,867 (+21.29%)	$240,000 (+23.33%) Land $80,600 Building $159,400
2025	$3,856.00 (+19.57%)
2023	$3,225.00	$185,400	$194,600 Land $80,600 Building $114,000

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1978–1999)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 1999 · Hurricane Floyd Major Disaster Declarations

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 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.

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 417 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
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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