385 River Rd, Elkton, MD 21921 Property Records

Cecil County property record for 385 River Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,904 sqft · built 1950
Lot Size	0.505 acres (21,987 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Oct 2015)
Tax Bill	$7,725 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit May 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`02-018942`

Property Details

APN / Parcel Number

Primary APN	`02-018942`
Alternative APNs	`2018942` `018942`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,904 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	21,987 sqft (0.505 acres)
View / Lot	Waterfront
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	504 sqft
Patio Area	560 sqft
Boat Access	Boat Access
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	018942
Street Address	385 RIVER RD
City	ELKTON
State	MD
Zip	21921-7936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 7 - .5047 ACRE 385 RIVER ROAD S/W OF ELKTON
Legal Lot Number	7
Jurisdiction	CECIL MD
Township / Civil Division	2, CHESAPEAKE CITY
Census Block Group	1
Census Block	1001
Census Tract	30200

Owner

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	385 RIVER RD, ELKTON, MD 21921-7936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
May 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage ABERDEEN PROVING GROUND FCU
Dec 29, 2017	Grant Deed, Transfer LIBERTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2015 · Amount on Record
Deed Sale	Oct 30, 2015 · Amount on Record
Prior Sale	Dec 21, 1998 · Amount on Record
Deed Book / Page	3803 / 379
Prior Transfer Date	Jun 19, 2012
Prior Transfer Doc	0032130494
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	385 RIVER RD, ELKTON, MD 21921-7936
Transaction Type	Mortgage
Record Updated	Jan 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 RIVER RD, ELKTON, MD 21921-7936

Mortgage

Document Number	0052760434
Date	Dec 28, 2022
Book Page	5276/434

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 5, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	385 RIVER RD, ELKTON, MD 21921-7936
Transaction Type	Mortgage
Record Updated	Oct 25, 2022
Title Company	GUARANTEED TRUST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040620287
Date	May 11, 2017
Book Page	4062/287

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 14, 2032

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Dec 29, 2017
Property Address	385 RIVER RD, ELKTON, MD 21921-7936
Document Number	0041830393
Book / Page	004183 / 000393
Instrument Date	Dec 13, 2017
Transaction Type	Transfer
Record Updated	Jan 15, 2018
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Tax	$14.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 RIVER RD ELKTON MD 219217936, ELKTON, MD 21921-7936

Tax Assessment & Valuation

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,725.00 (+3.68%) Homeowner's exemption	$805,533 (+11.02%)	$885,500 (-) Land $480,600 Building $404,900
2025	$7,451.00 (+21.21%) Homeowner's exemption	$725,567 (+13.06%)	$885,500 (+37.16%) Land $480,600 Building $404,900
2023	$6,147.00 Homeowner's exemption	$641,733	$645,600 Land $328,600 Building $317,000

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 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	Hurricane Isabel, Sep 2003 · 26 claims

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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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