Cecil County property record for 422 Gray Mount Cir, Elkton, MD 21921 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1.5 Baths |
| Year Built | Built 1995 |
| Square Footage | 864 sqft Total Area |
| Lot Size | 12,719 sqft (0.292 acres) |
| Garage | Attached, 432 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $246,500 (2022) |
| Tax Bill | $3,240.00 (2025) |
| Primary APN | 03-098362 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 864 sqft Total Area |
| Basement Area | 432 sqft Basement |
| Finished Basement | 432 sqft Finished |
| Stories | 1 Stories |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 12,719 sqft (0.292 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 432 sqft Garage |
| Deck Area | 240 sqft Deck |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 098362 |
|---|---|
| Street Address | 422 GRAY MOUNT CIR |
| City | ELKTON |
| State | MD |
| Zip | 21921-6291 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 114 - .292 ACRE 422 GRAY MOUNT CIRCLE GRAY MOUNT |
| Legal Subdivision | GRAY MOUNT |
| Legal Lot Number | 114 |
| Jurisdiction | CECIL MD |
| Minor Civil Division | 3, ELKTON |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 30508 |
Source: Cecil County records · APN 03-098362
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 | Individual Name on File |
|---|---|
| Mailing Address | 422 GRAY MOUNT CIR, ELKTON, MD 21921-6291 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 15, 2022 | Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP |
| Jul 26, 2017 | Deed, Transfer · Conventional Mortgage PACIFIC UNION FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 15, 2022 · Amount on Record |
| Deed Sale | Mar 15, 2022 · Amount on Record |
| Prior Sale | Jul 26, 2017 · Amount on Record |
| Deed Book / Page | 5124 / 160 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Mar 15, 2022 |
| Property Address | 422 GRAY MOUNT CIR, ELKTON, MD 21921-6291 |
| Document Number | 0051240160 |
| Book / Page | 5124 / 160 |
| Instrument Date | Mar 10, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | EQUITABLE TITLE/FL, EQUITABLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 422 GRAY MOUNT CIR, ELKTON, MD 21921-6291 |
| Document Number | 0005124169 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 5124/169 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CECIL MD |
| Recording Date | Jul 26, 2017 |
| Property Address | 422 GRAY MOUNT CIR, ELKTON, MD 21921-6291 |
| Document Number | 0041040155 |
| Book / Page | 4104 / 155 |
| Instrument Date | Jul 14, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | LIBERTY TITLE SERVICE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 422 GRAY MOUNT CIR, ELKTON, MD 21921-6291 |
| Document Number | 0004104163 |
|---|---|
| Date | Jul 26, 2017 |
| Instrument | 4104/163 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Cecil County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | Elkton Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
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 | $203,367 (+19.7%) | $219,400 (+28.08%) Land $78,600 Building $140,800 | |
| 2025 | $3,240.00 (+43.62%) | ||
| 2023 | $2,256.00 | $169,900 | $171,300 Land $56,800 Building $114,500 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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.
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