421 Delaware Ave, Elkton, MD 21921 Property Records

Cecil County property record for 421 Delaware Ave, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,649 sqft · built 2006
Lot Size	0.456 acres (19,880 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (May 2025)
Tax Bill	$4,430 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-004198`

Property Details

APN / Parcel Number

Primary APN	`03-004198`
Alternative APNs	`3004198` `004198`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,649 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	19,880 sqft (0.456 acres)
Garage Type	Built-in
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft
Deck Area	110 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	004198
Street Address	421 DELAWARE AVE
City	ELKTON
State	MD
Zip	21921-6004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ST
Legal Description	LOT 9 - .46 ACRE 421 DELAWARE AVENUE GLEN MARY HEIGHTS
Legal Subdivision	GLEN MARY HEIGHTS
Legal Lot Number	9
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1019
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

421 Delaware Ave is owned and occupied by two individuals who bought it in May 2025.

Source: Cecil County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	421 DELAWARE AVE, ELKTON, MD 21921-6004
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 27, 2017	Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2025 · Amount on File
Deed Sale	May 28, 2025 · Amount on File
Prior Sale	Jun 27, 2017 · Amount on File
Deed Book / Page	5621 / 265
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	421 DELAWARE AVE, ELKTON, MD 21921-6004
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049010440
Date	Jun 7, 2021
Book Page	4901/440

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jun 27, 2017
Property Address	421 DELAWARE AVE, ELKTON, MD 21921-6004
Document Number	0040900025
Book / Page	4090 / 025
Instrument Date	Jun 19, 2017
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	421 DELAWARE AVE, ELKTON, MD 21921-6004

Mortgage

Document Number	0040900034
Date	Jun 27, 2017
Book Page	4090/034

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 421 Delaware Ave was $4,430, up 12.3% from the year before.

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	$4,430.00 (+12.32%)	$403,033	$451,100 Land $94,900 Building $356,200
2025	$3,944.00
2023	$2,610.00	$294,333	$306,900 Land $46,400 Building $260,500

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

Flood

FEMA maps place 421 Delaware Ave in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 421 Delaware Ave is low, with a 0.02% annual chance of 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.

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 205 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: Talkie Communications.

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