281 Thomas Jefferson Ter, Elkton, MD 21921 Property Records

Cecil County property record for 281 Thomas Jefferson Ter, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,840 sqft · built 2005
Lot Size	0.199 acres (8,682 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Jun 2022)
Tax Bill	$7,142 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-117375`

Property Details

APN / Parcel Number

Primary APN	`03-117375`
Alternative APN	`117375`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,840 sqft Total Area
Basement Area	1,300 sqft
Finished Basement	1,300 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,682 sqft (0.199 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	332 sqft
Deck Area	216 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	117375
Street Address	281 THOMAS JEFFERSON TER
City	ELKTON
State	MD
Zip	21921-5167
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 89 - .1994 ACRE 281 THOMAS JEFFERSON TER CLUB AT PATRIOTS GLEN
Legal Subdivision	PLAT 1 CLUB AT PATRIOT GLEN
Legal Lot Number	89
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1003
Census Tract	30507

Owner

281 Thomas Jefferson Ter is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	281 THOMAS JEFFERSON TER, ELKTON, MD 21921-5167
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
Jun 13, 2022	Deed, Transfer · Stand-Alone First Mortgage KATHLEEN SMITH
Jun 26, 2018	Grant Deed, Transfer KIRSH TITLE SERVICES
Oct 25, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2022 · Amount on File
Deed Sale	Jun 13, 2022 · Amount on File
Prior Sale	Jun 26, 2018 · Amount on File
Deed Book / Page	5183 / 131
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 13, 2022
Property Address	281 THOMAS JEFFERSON TER, ELKTON, MD 21921-5167
Document Number	0051830131
Book / Page	5183 / 131
Map Reference	MB 1094 FO 1036
Instrument Date	Jun 2, 2022
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

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
Relationship	Tenants in Common
Address	281 THOMAS JEFFERSON TER, ELKTON, MD 21921-5167

Mortgage

Document Number	0005183135
Date	Jun 13, 2022
Instrument	5183-135

Lender

Name	KATHLEEN SMITH
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 2, 2032

Interest

Rate	3.25%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Jun 26, 2018
Property Address	281 THOMAS JEFFERSON TER, ELKTON, MD 21921-5167
Document Number	0042630281
Book / Page	004263 / 000281
Instrument Date	Jun 15, 2018
Transaction Type	Transfer
Record Updated	Jul 12, 2018
Title Company	KIRSH TITLE SERVICES

Transaction

Amount	Amount on Record
Tax	$349.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	37 BIG OAK DR ELKTON MD 219217352, ELKTON, MD 21921-7352

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	281 THOMAS JEFFERSON TER, ELKTON, MD 21921-5167
Document Number	0041680095
Book / Page	004168 / 000095
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 THOMAS JEFFERSON TER ELKTON MD 219215167, ELKTON, MD 21921-5167

Mortgage

Document Number	0041680095
Date	Nov 29, 2017
Book Page	004168/000095

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 281 Thomas Jefferson Ter was $7,142, up 4.9% 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	$7,142.00 (+4.91%)	$415,233	$436,900 Land $90,300 Building $346,600
2025	$6,808.00
2023	$5,611.00	$362,733	$371,900 Land $90,300 Building $281,600

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

Flood

FEMA maps place 281 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 281 Thomas Jefferson Ter is low, with 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 96% of the US · lower than 92% 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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
IQ Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

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