305 King St, Elkton, MD 21921 Property Records

Cecil County property record for 305 King St, Elkton, MD 21921 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,427 sqft · built 1937
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on File
Last Sale	$207,000 (Jan 2021)
Tax Bill	$3,114 (2025)
Deeds & Mortgages	Aug 2017 Mortgage May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-037045`

Property Details

APN / Parcel Number

Primary APN	`03-037045`
Alternative APNs	`3037045` `037045`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,427 sqft Total Area
Attic	Attic
Attic Area	120 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	6,300 sqft (0.145 acres)
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	037045
Street Address	305 KING ST
City	ELKTON
State	MD
Zip	21921-5431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 - .1446 ACRE 305 KING STREET ELKTON HEIGHTS
Legal Subdivision	ELKTON HEIGHTS
Legal Lot Number	16
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1019
Census Tract	30400

Owner

Source: Cecil County records · APN 03-037045

Assessment roll updated August 12, 2025 · Last verified August 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 File
Mailing Address	305 KING ST, ELKTON, MD 21921-5431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
May 15, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 22, 2021	Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 22, 2021 · Amount on Record
Deed Sale	Jan 22, 2021 · Amount on Record
Prior Sale	Jun 22, 2010 · Amount on Record
Deed Book / Page	4777 / 468
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	305 KING ST, ELKTON, MD 21921-5431
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	GLOBAL TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041180494
Date	Aug 21, 2017
Book Page	4118/494

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	305 KING ST, ELKTON, MD 21921-5431
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0044000324
Date	May 15, 2019
Book Page	4400/324

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 22, 2021
Property Address	305 KING ST, ELKTON, MD 21921-5431
Document Number	0047770468
Book / Page	4777 / 468
Map Reference	MB 1 FO 44
Instrument Date	Nov 02, 2020
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	SANCTUARY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	305 KING ST, ELKTON, MD 21921-5431

Mortgage

Document Number	0004777474
Date	Jan 22, 2021
Instrument	4777/474

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$224,700 (+25.3%)	$238,300 (+20.66%) Land $58,600 Building $179,700
2025	$3,114.00 (+49.14%) Homeowner's exemption
2023	$2,088.00 Homeowner's exemption	$179,333	$197,500 Land $58,600 Building $138,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240150304001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	6 (1978–1996)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Oct 1996, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 417 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: IQ Fiber Intermediate Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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