403 Gray Mount Cir, Elkton, MD 21921 Property Records

Cecil County property record for 403 Gray Mount Cir, Elkton, MD 21921 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Architecture Style	Split Foyer
Year Built	Built 1998
Square Footage	872 sqft Total Area
Lot Size	8,276 sqft (0.19 acres)
Occupancy	Owner Occupied
Last Sale	$175,000 (2019)
Tax Bill	$3,133.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03-098729`
Alternative APNs	`3098729` `098729`

Interior

Full Baths	1 Baths
Building Area	872 sqft Total Area
Stories	1 Stories

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Split Foyer Style
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	8,276 sqft (0.19 acres)
Deck Area	304 sqft Deck

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	098729
Street Address	403 GRAY MOUNT CIR
City	ELKTON
State	MD
Zip	21921-6372
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 101 - .1901 ACRE 403 GRAY MOUNT CIRCLE GRAY MOUNT
Legal Subdivision	GRAY MOUNT
Legal Lot Number	101
Jurisdiction	CECIL MD
Minor Civil Division	3, ELKTON
Census Blockgroup	1
Census Block	1015
Census Tract	30508

Owner

Source: Cecil County records · APN 03-098729

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	2 Individual Names on File
Mailing Address	403 GRAY MOUNT CIR, ELKTON, MD 21921-6372
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 2019 · Amount on Record
Deed Sale	Sep 23, 2019 · Amount on Record
Prior Sale	Dec 21, 2005 · Amount on Record
Deed Book / Page	4469 / 19
Prior Transfer Date	Dec 05, 2013
Prior Transfer Doc	0035360083
Record Refreshed	Sep 20, 2026

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Sep 23, 2019
Property Address	403 GRAY MOUNT CIR, ELKTON, MD 21921-6372
Document Number	0044690019
Book / Page	4469 / 019
Map Reference	PL PC 337-574
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	PIKE CREEK SETMNT SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	403 GRAY MOUNT CIR, ELKTON, MD 21921-6372

Mortgage

Document Number	0000446925
Date	Sep 23, 2019
Instrument	4469/25

Lender

Name	PIKE CREEK MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 01, 2049

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		$196,900 (+8.72%)	$212,700 (-) Land $76,400 Building $136,300
2025	$3,133.00 (+47.78%)	$181,100 (+11.72%)	$212,700 (+28.68%) Land $76,400 Building $136,300
2023	$2,120.00	$162,100	$165,300 Land $54,600 Building $110,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cecil County (24015C), updated May 10, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; 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.