242 Thomas Jefferson Ter, Elkton, MD 21921 Property Records

Cecil County property record for 242 Thomas Jefferson Ter, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 3,210 sqft · built 2004
Lot Size	0.202 acres (8,819 sqft)
Owner	Individual Name on File
Last Sale	$459,900 (Nov 2021)
Tax Bill	$6,961 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-116441`

Property Details

APN / Parcel Number

Primary APN	`03-116441`
Alternative APN	`116441`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,210 sqft Total Area
Basement Area	1,120 sqft
Finished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,819 sqft (0.202 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	25 sqft
Deck Area	236 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	116441
Street Address	242 THOMAS JEFFERSON TER
City	ELKTON
State	MD
Zip	21921-5168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 101 - .2024 ACRE 242 THOMAS JEFFERSON TER CLUB AT PATRIOTS GLEN
Legal Subdivision	FINAL PLAT TWO THE CLUB AT PATRIOTS GLEN
Legal Lot Number	101
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1003
Census Tract	30507

Owner

242 Thomas Jefferson Ter is owned and occupied by an individual who bought it in November 2021.

Source: Cecil County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	242 THOMAS JEFFERSON TER, ELKTON, MD 21921-5168
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit EDUCATIONAL SYSTEMS FCU
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Nov 19, 2021	Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Dec 17, 2018	Grant Deed, Transfer · Conventional with PMI PRIMELENDING
Dec 17, 2018	Grant Deed, Transfer BRENNAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2021 · Amount on File
Deed Sale	Nov 19, 2021 · Amount on File
Prior Sale	Dec 17, 2018 · Amount on File
Deed Book / Page	5039 / 317
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	242 THOMAS JEFFERSON TER, ELKTON, MD 21921-5168
Transaction Type	Mortgage
Record Updated	Dec 24, 2025
Title Company	UNKNOWN, MIS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057110162
Date	Dec 12, 2025
Book Page	5711/162

Lender

Name	EDUCATIONAL SYSTEMS FCU
Type	Credit Union
Address	GREENBELT, MD 20770

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 11, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	242 THOMAS JEFFERSON TER, ELKTON, MD 21921-5168
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	GLOBAL TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048800474
Date	May 14, 2021
Book Page	4880/474

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Nov 19, 2021
Property Address	242 THOMAS JEFFERSON TER, ELKTON, MD 21921-5168
Document Number	0050390317
Book / Page	5039 / 317
Map Reference	MB 1065 FO 973
Instrument Date	Oct 29, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
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

Mortgage

Document Number	0005039325
Date	Nov 19, 2021
Instrument	5039/325

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Dec 17, 2018
Property Address	242 THOMAS JEFFERSON TER, ELKTON, MD 21921-5168
Document Number	0043380145
Book / Page	004338 / 000145
Instrument Date	Nov 30, 2018
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	BRENNAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	242 THOMAS JEFFERSON TER ELKTON MD 219215168, ELKTON, MD 21921-5168

Mortgage

Document Number	43380151
Date	Dec 17, 2018
Book Page	004338/000151

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2048

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Dec 17, 2018
Property Address	242 THOMAS JEFFERSON TER, ELKTON, MD 21921-5168
Document Number	0043380139
Book / Page	004338 / 000139
Instrument Date	Nov 19, 2018
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	BRENNAN TITLE

Transaction

Amount	Amount on Record
Tax	$335.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	242 THOMAS JEFFERSON TER ELKTON MD 219215168, ELKTON, MD 21921-5168
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 242 Thomas Jefferson Ter was $6,961, up 8.6% 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	$6,961.00 (+8.61%)	$404,733	$439,000 Land $90,400 Building $348,600
2025	$6,409.00
2023	$4,972.00	$326,000	$336,200 Land $90,400 Building $245,800

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

Flood

FEMA maps place 242 Thomas Jefferson Ter 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
Nearby Flood Policies	1 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

Wildfire risk around 242 Thomas Jefferson Ter is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 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.

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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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