428 Melbourne Blvd, Elkton, MD 21921 Property Records

Cecil County property record for 428 Melbourne Blvd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,164 sqft · built 1996
Lot Size	0.468 acres (20,386 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Mar 2025)
Tax Bill	$4,189 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Jun 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-092305`

Property Details

APN / Parcel Number

Primary APN	`03-092305`
Alternative APNs	`3092305` `092305`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,164 sqft Total Area
Basement Area	336 sqft
Finished Basement	336 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	20,386 sqft (0.468 acres)
Deck Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	092305
Street Address	428 MELBOURNE BLVD
City	ELKTON
State	MD
Zip	21921-6157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 53 - .468 ACRE 428 MELBOURNE BOULEVARD COLONIAL RIDGE
Legal Subdivision	COLONIAL RIDGE
Legal Lot Number	53
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	2
Census Block	2000
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 File
Mailing Address	428 MELBOURNE BLVD, ELKTON, MD 21921-6157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jun 21, 2017	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS
May 16, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2025 · Amount on File
Deed Sale	Mar 24, 2025 · Amount on File
Prior Sale	Jun 21, 2017 · Amount on File
Deed Book / Page	5594 / 16
Prior Transfer Date	Dec 8, 2016
Prior Transfer Doc	4026000057
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	428 MELBOURNE BLVD, ELKTON, MD 21921-6157
Transaction Type	Mortgage
Record Updated	Oct 27, 2022
Title Company	ARDENT TITLE COMPANY LLC, ARDENT TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051010182
Date	Feb 10, 2022
Book Page	5101/182

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2037

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Jun 21, 2017
Property Address	428 MELBOURNE BLVD, ELKTON, MD 21921-6157
Document Number	0040860074
Book / Page	004086 / 000074
Instrument Date	Jun 14, 2017
Transaction Type	Transfer
Record Updated	Jul 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 MELBOURNE BLVD ELKTON MD 219216157, ELKTON, MD 21921-6157

Mortgage

Document Number	40860080
Date	Jun 21, 2017
Book Page	004086/000080

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2047

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CECIL MD
Recording Date	May 16, 2017
Property Address	428 MELBOURNE BLVD, ELKTON, MD 21921-6157
Document Number	0040260057
Book / Page	004026 / 000057
Instrument Date	Sep 15, 2016
Transaction Type	Foreclosure
Record Updated	Jul 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$137.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

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	$4,189.00 (+6.73%)	$243,567 (+18.47%)	$260,200 (+23.73%) Land $86,600 Building $173,600
2025	$3,925.00 (+36.43%)
2023	$2,877.00	$205,600	$210,300 Land $66,600 Building $143,700

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	None beyond ember reach

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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