Cecil County property record for 289 River Rd, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 871 sqft · built 1942 |
| Lot Size | 0.286 acres (12,458 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $296,000 (Sep 2020) |
| Tax Bill | $5,047 (2026) |
| Deeds & Mortgages | Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 02-009498 |
| Primary APN | 02-009498 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 871 sqft Total Area |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 12,458 sqft (0.286 acres) |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 168 sqft |
| Deck Area | 401 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 009498 |
|---|---|
| Street Address | 289 RIVER RD |
| City | ELKTON |
| State | MD |
| Zip | 21921-7934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 4 - .286 ACRE 289 RIVER ROAD OTTS SHORE |
| Legal Subdivision | OTTS SHORE |
| Legal Lot Number | 4 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 2, CHESAPEAKE CITY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 30200 |
Source: Cecil County records, as of September 21, 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 | 3998 CRANBERRY ST, MANHEIM, PA 17545-9024 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2020 · Amount on Record |
| Deed Sale | Sep 11, 2020 · Amount on Record |
| Prior Sale | Feb 15, 2007 |
| Deed Book / Page | 4676 / 251 |
| Prior Transfer Date | Feb 7, 2007 |
| Prior Transfer Doc | 0022940066 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Sep 11, 2020 |
| Property Address | 289 RIVER RD, ELKTON, MD 21921-7934 |
| Document Number | 0046760251 |
| Book / Page | 004676 / 000251 |
| Instrument Date | Sep 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2020 |
| Title Company | HOMESALE SETTLEMENT SERVICES, HOMESALE SETTLEMENT SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $296.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2333 DEBRA AVE EAST PETERSBURG PA 175201404, EAST PETERSBURG, PA 17520-1404 |
| Document Number | 46760256 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 004676/000256 |
| Name | IDEAL MTG GROUP |
|---|---|
| Address | CHERRY HILL, NJ 08002 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2050 |
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,047.00 (+14.6%) | $459,933 (+15.86%) | $522,900 (-) Land $432,000 Building $90,900 |
| 2025 | $4,404.00 (+17.5%) | $396,967 (+18.85%) | $522,900 (+56.56%) Land $432,000 Building $90,900 |
| 2023 | $3,748.00 | $334,000 Land $280,000 Building $54,000 | $334,000 Land $280,000 Building $54,000 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 55 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 55 in force |
| Nearby Flood Claims | 45 (1978–2024) |
| Claims Outside the SFHA | 4 of 45 |
| Most Recent Claim | Aug 2024 · other causes |
| 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 94% of the US · lower than 89% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Talkie Communications, Xfinity.
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