Cecil County property record for 246 E Main St, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,064 sqft · built 1952 |
| Lot Size | 0.487 acres (21,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Mar 2026) |
| Tax Bill | $4,112 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-043436 |
| Primary APN | 03-043436 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,064 sqft Total Area |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 21,200 sqft (0.487 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 206 sqft |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 043436 |
|---|---|
| Street Address | 246 E MAIN ST |
| City | ELKTON |
| State | MD |
| Zip | 21921-5722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .487 ACRE 246 EAST MAIN STREET ELKTON |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 4 |
| Census Block | 4000 |
| 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 | 246 E MAIN ST, ELKTON, MD 21921-5722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2026 · Amount on Record |
| Deed Sale | Mar 6, 2026 · Amount on Record |
| Prior Sale | May 3, 2016 · Amount on Record |
| Deed Book / Page | 5827 / 298 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Aug 6, 2026 |
| Property Address | 246 E MAIN ST, ELKTON, MD 21921-5722 |
| Document Number | 5827000306 |
| Book / Page | 5827 / 306 |
| Instrument Date | Jul 9, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 100 ROOP RD, RISING SUN, MD 21911-1118 |
| Document Number | 5827000306, |
|---|---|
| Date | Aug 6, 2026 |
| Book Page | 5827/306 |
| Name | CHURCHILL MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.52% |
|---|---|
| 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 | $257,467 (+6.07%) | $272,200 (-) Land $73,100 Building $199,100 | |
| 2025 | $4,112.00 (+33.51%) Homeowner's exemption | $242,733 (+11.02%) | $272,200 (+19.39%) Land $73,100 Building $199,100 |
| 2023 | $3,080.00 Homeowner's exemption | $218,633 | $228,000 Land $73,100 Building $154,900 |
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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