Cecil County property record for 342 W Main St, Elkton, MD 21921
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 1,437 sqft · built 1918 |
| Lot Size | 0.086 acres (3,750 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Sep 2025) |
| Tax Bill | $2,141 (2026) |
| Deeds & Mortgages | Dec 2022 Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-040364 |
| Primary APN | 03-040364 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,437 sqft Total Area |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Architectural Style | Townhouse |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 3,750 sqft (0.086 acres) |
| Porch | Slab |
| Porch Area | 119 sqft |
| Deck Area | 136 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 040364 |
|---|---|
| Street Address | 342 W MAIN ST |
| City | ELKTON |
| State | MD |
| Zip | 21921-5213 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | PT. LOT 14 - .086 A. 342 WEST MAIN STREET ELKTON |
| Legal Subdivision | TOWN OF ELKTON |
| Legal Lot Number | 14 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 4 |
| Census Block | 4020 |
| 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 September 21, 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 Record |
|---|---|
| Mailing Address | 342 W MAIN ST, ELKTON, MD 21921-5213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Commercial Mortgage FREDERICK H HERMAN ERAL |
| Sep 26, 2025 | Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2025 · Amount on Record |
| Deed Sale | Sep 26, 2025 · Amount on Record |
| Prior Sale | Dec 23, 2003 · Amount on Record |
| Deed Book / Page | 5677 / 88 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 342 W MAIN ST, ELKTON, MD 21921-5213 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0052710162 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 5271/162 |
| Name | FREDERICK H HERMAN ERAL |
|---|---|
| Type | Private Party |
| Address | ELKTON, MD 21921 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 1, 2027 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Sep 26, 2025 |
| Property Address | 342 W MAIN ST, ELKTON, MD 21921-5213 |
| Document Number | 0056770088 |
| Book / Page | 5677 / 88 |
| Map Reference | MB HWL 6 FO 546 |
| Instrument Date | Sep 17, 2025 |
| Transaction Type | Transfer |
| Record Updated | Oct 15, 2025 |
| Title Company | KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $625.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 342 W MAIN ST, ELKTON, MD 21921-5213 |
| Document Number | 0000567793 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 5677/93 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
Source: Cecil County assessment roll, as of September 21, 2026
| 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 | $2,141.00 (+11.57%) Homeowner's exemption | $124,533 (+12.23%) | $138,100 (-) Land $43,500 Building $94,600 |
| 2025 | $1,919.00 (+16.09%) | $110,967 (+16.77%) | $138,100 (+41.79%) Land $43,500 Building $94,600 |
| 2023 | $1,653.00 | $95,033 | $97,400 Land $43,500 Building $53,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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 | None beyond ember reach |
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 277 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Talkie Communications.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures