269 E Main St, Elkton, MD 21921 Property Records

Cecil County property record for 269 E Main St, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,188 sqft · built 1930
Lot Size	0.58 acres (25,264 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Feb 2020)
Tax Bill	$3,188 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`03-054039`

Property Details

APN / Parcel Number

Primary APN	`03-054039`
Alternative APNs	`3054039` `054039`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,188 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	25,264 sqft (0.58 acres)
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	054039
Street Address	269 E MAIN ST
City	ELKTON
State	MD
Zip	21921-5724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.58 ACRE 269 EAST MAIN STREET ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2000
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 October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	269 E MAIN ST, ELKTON, MD 21921-5724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MY MORTGAGE INC
Feb 24, 2020	Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 15, 2019	Trustee's Deed, Transfer · Construction Mortgage SMART DEV LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2020 · Amount on Record
Deed Sale	Feb 24, 2020 · Amount on Record
Prior Sale	Apr 15, 2019 · Amount on Record
Deed Book / Page	4555 / 84
Last Transfer Date	Jul 9, 2021
Transfer Doc	0049480496
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CECIL MD
Recording Date	Aug 4, 2021
Property Address	269 E MAIN ST, ELKTON, MD 21921-5724
Document Number	0049480496
Book / Page	4948 / 496
Instrument Date	Jul 9, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	269 E MAIN ST, ELKTON, MD 21921-5724

Mortgage

Document Number	0004948499
Date	Aug 4, 2021
Instrument	4948/499

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2041

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Feb 24, 2020
Property Address	269 E MAIN ST, ELKTON, MD 21921-5724
Document Number	0045550084
Book / Page	4555 / 084
Instrument Date	Jan 31, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	THE ATLANTIC TITLE GROUP

Transaction

Amount	Amount Recorded
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
Address	269 E MAIN ST, ELKTON, MD 21921-5724

Mortgage

Document Number	0000455589
Date	Feb 24, 2020
Instrument	4555/89

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

April 2019: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	CECIL MD
Recording Date	Apr 15, 2019
Property Address	269 E MAIN ST, ELKTON, MD 21921-5724
Document Number	0043840425
Book / Page	004384 / 000425
Instrument Date	Mar 14, 2019
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	ATLANTIC TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	269 E MAIN ST ELKTON MD 219215724, ELKTON, MD 21921-5724

Mortgage

Document Number	43840425
Date	Apr 15, 2019
Book Page	004384/000425

Lender

Name	SMART DEV LLC
Address	5291 ROBUST CT, LEWISVILLE, NC 27023-9819

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 14, 2020

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	$3,188.00 (+3.74%) Homeowner's exemption	$187,233 (+4.79%)	$195,800 (-) Land $51,500 Building $144,300
2025	$3,073.00 (+40.9%) Homeowner's exemption	$178,667 (+7.89%)	$195,800 (+15.11%) Land $51,500 Building $144,300
2023	$2,181.00 Homeowner's exemption	$165,600	$170,100 Land $51,500 Building $118,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 94% of the US · lower than 87% 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.

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 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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