243 W Main St, Elkton, MD 21921 Property Records

Cecil County property record for 243 W Main St, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,885 sqft · built 1902
Lot Size	0.155 acres (6,750 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Feb 2023)
Tax Bill	$2,644 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-048993`

Property Details

APN / Parcel Number

Primary APN	`03-048993`
Alternative APNs	`3048993` `048993`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,885 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,750 sqft (0.155 acres)
Porch	Slab
Porch Area	196 sqft
Deck Area	189 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	048993
Street Address	243 W MAIN ST
City	ELKTON
State	MD
Zip	21921-5230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	.155 ACRE 243 WEST MAIN STREET ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	4
Census Block	4018
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	Individual Name on Record
Mailing Address	243 W MAIN ST, ELKTON, MD 21921-5230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 24, 2023	Deed, Transfer · Conventional Mortgage BAY CAPITAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023 · Amount on Record
Deed Sale	Feb 24, 2023 · Amount on Record
Prior Sale	May 6, 2003
Deed Book / Page	5297 / 154
Transfer Doc	0013730412
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	243 W MAIN ST, ELKTON, MD 21921-5230
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 W MAIN ST, ELKTON, MD 21921-5230

Mortgage

Document Number	0056890285
Date	Oct 27, 2025
Book Page	5689/285

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Feb 24, 2023
Property Address	243 W MAIN ST, ELKTON, MD 21921-5230
Document Number	0052970154
Book / Page	5297 / 154
Instrument Date	Feb 10, 2023
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	DEFINITIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
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 in Severalty
Address	243 W MAIN ST, ELKTON, MD 21921-5230

Mortgage

Document Number	0052970158
Date	Feb 24, 2023
Book Page	5297/158

Lender

Name	BAY CAPITAL MORTGAGE CORP
Type	Mortgage Company
Address	ANNAPOLIS, MD 21401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

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	$2,644.00 (+5.34%) Homeowner's exemption	$166,500 (+9.68%)	$181,200 (-) Land $49,500 Building $131,700
2025	$2,510.00 (+6.4%) Homeowner's exemption	$151,800 (+11.95%)	$181,200 (+32.17%) Land $49,500 Building $131,700
2023	$2,359.00	$135,600	$137,100 Land $49,500 Building $87,600

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Talkie Communications.

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