411 Melbourne Blvd, Elkton, MD 21921 Property Records

Cecil County property record for 411 Melbourne Blvd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,308 sqft · built 1995
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Oct 2025)
Tax Bill	$4,009 (2026)
Deeds & Mortgages	Sep 2024 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-091708`

Property Details

APN / Parcel Number

Primary APN	`03-091708`
Alternative APNs	`3091708` `091708`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,308 sqft Total Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	260 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	091708
Street Address	411 MELBOURNE BLVD
City	ELKTON
State	MD
Zip	21921-6156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 106 - .225 ACRE 411 MELBOURNE BOULEVARD COLONIAL RIDGE
Legal Subdivision	COLONIAL RIDGE
Legal Lot Number	106
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2001
Census Tract	30508

Historic Designation

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.

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	411 MELBOURNE BLVD, ELKTON, MD 21921-6156
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2024	Deed of Trust, Mortgage COMMUNITY POWERED FCU
Oct 30, 2025	Deed, Transfer · VA Mortgage KEYSTONE FUNDING INC
May 9, 2023	Deed, Transfer · Conventional Mortgage TIDEWATER MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	May 9, 2023 · Amount on Record
Deed Book / Page	5691 / 438
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	411 MELBOURNE BLVD, ELKTON, MD 21921-6156
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MELBOURNE BLVD, ELKTON, MD 21921-6156

Mortgage

Document Number	0055160020
Date	Sep 17, 2024
Book Page	5516/20

Lender

Name	COMMUNITY POWERED FCU
Type	Credit Union
Address	BEAR, DE 19701

Agreement

Amount	Amount Recorded
Term	118 Months
Due	Jul 15, 2034

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Oct 30, 2025
Property Address	411 MELBOURNE BLVD, ELKTON, MD 21921-6156
Document Number	0056910438
Book / Page	5691 / 438
Map Reference	CAB 65 FO 98
Instrument Date	Oct 15, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LIBERTY TITLE, LIBERTY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	411 MELBOURNE BLVD, ELKTON, MD 21921-6156

Mortgage

Document Number	0005691447
Date	Oct 30, 2025
Instrument	5691/447

Lender

Name	KEYSTONE FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	May 9, 2023
Property Address	411 MELBOURNE BLVD, ELKTON, MD 21921-6156
Document Number	0053230490
Book / Page	5323 / 490
Map Reference	CAB 65 FO 98
Instrument Date	Apr 28, 2023
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	GLOBAL TITLE COMPANY, GLOBAL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MELBOURNE BLVD, ELKTON, MD 21921-6156

Mortgage

Document Number	0053230496
Date	May 9, 2023
Instrument	5323-0496

Lender

Name	TIDEWATER MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,009.00 (+10.23%)	$233,133 (+7.95%)	$250,300 (-) Land $81,400 Building $168,900
2025	$3,637.00 (+33.22%) Homeowner's exemption	$215,967 (+9.55%)	$250,300 (+25.91%) Land $81,400 Building $168,900
2023	$2,730.00	$197,133	$198,800 Land $61,400 Building $137,400

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (2021–2024)
Most Recent Claim	Jan 2024 · rainfall accumulation

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	0.01% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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