Cecil County property record for 234 E Main St, Elkton, MD 21921
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 ba · 1,750 sqft · built 1920 |
| Lot Size | 0.056 acres (2,439 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $142,000 (Nov 1987) |
| Tax Bill | $2,175 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-045900 |
| Primary APN | 03-045900 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,750 sqft Total Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,439 sqft (0.056 acres) |
| Porch | Slab |
| Porch Area | 136 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 045900 |
|---|---|
| Street Address | 234 E MAIN ST |
| City | ELKTON |
| State | MD |
| Zip | 21921-5716 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | RO |
| Legal Description | .056 ACRE 234 EAST MAIN STREET ELKTON |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 30400 |
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.
Source: Cecil County records, as of August 18, 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 | 207 WALNUT LN, ELKTON, MD 21921-5013 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 16, 1987 · Amount on Record |
| Deed Sale | Nov 16, 1987 · Amount on Record |
| Prior Sale | Feb 13, 1987 · Amount on Record |
| Deed Book / Page | 217 / 671 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Apr 2, 2026 |
| Property Address | 234 E MAIN ST, ELKTON, MD 21921-5716 |
| Document Number | 5764000264 |
| Book / Page | 5764 / 264 |
| Instrument Date | Mar 20, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4 HASLET WAY, WILMINGTON, DE 19807-3120 |
| Document Number | 5764000264, |
|---|---|
| Date | Apr 2, 2026 |
| Book Page | 5764/264 |
| Name | WILLIAMS MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Mar 20, 2028 |
| Rate | 3% |
|---|---|
| Max Rate | -1% |
Source: Cecil County assessment roll, as of August 12, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | Elkton Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $131,767 (+4.8%) | $137,800 (-) Land $48,000 Building $89,800 | |
| 2025 | $2,175.00 (+5.58%) | $125,733 (+6.19%) | $137,800 (+15.12%) Land $48,000 Building $89,800 |
| 2023 | $2,060.00 | $118,400 | $119,700 Land $48,000 Building $71,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: IQ Fiber, T-Mobile, Verizon.
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