45 Thyme St, Elkton, MD 21921 Property Records

Cecil County property record for 45 Thyme St, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,517 sqft · built 2014
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on File
Last Sale	$432,000 (Sep 2026)
Tax Bill	$6,005 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-125459`

Property Details

APN / Parcel Number

Primary APN	`03-125459`
Alternative APN	`125459`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,517 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	9,017 sqft (0.207 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	28 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	125459
Street Address	45 THYME ST
City	ELKTON
State	MD
Zip	21921-6525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 43 - .21 ACRE 45 THYME STREET SOUTH STREAM
Legal Subdivision	SOUTH STREAM
Legal Lot Number	43
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1020
Census Tract	30505

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

45 Thyme St is owned and occupied by two individuals who bought it in September 2026.

Source: Cecil County records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 THYME ST, ELKTON, MD 21921-6525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 14, 2026	Deed, Transfer · Conventional Mortgage M & T BANK NA
Nov 1, 2021	Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on File
Deed Sale	Sep 14, 2026 · Amount on File
Prior Sale	Nov 1, 2021 · Amount on File
Deed Book / Page	5842 / 401
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Sep 14, 2026
Property Address	45 THYME ST, ELKTON, MD 21921-6525
Document Number	5842000401
Book / Page	5842 / 401
Instrument Date	Aug 28, 2026
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	EQUITABLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436,320.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 THYME ST, ELKTON, MD 21921-6525

Mortgage

Document Number	5842000409,
Date	Sep 14, 2026
Book Page	5842/409

Lender

Name	M & T BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Nov 1, 2021
Property Address	45 THYME ST, ELKTON, MD 21921-6525
Document Number	0050210260
Book / Page	5021 / 260
Map Reference	MB 1110 FO 21
Instrument Date	Oct 15, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	ARDENT TITLE COMPANY LLC, ARDENT TITLE CO LLC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 THYME ST, ELKTON, MD 21921-6525

Mortgage

Document Number	0005021266
Date	Nov 1, 2021
Instrument	5021/266

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 45 Thyme St was $6,005, up 4.8% from the year before.

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	$6,005.00 (+4.76%)	$349,133 (+5.36%)	$366,900 (-) Land $82,400 Building $284,500
2025	$5,732.00	$331,367	$366,900 Land $82,400 Building $284,500
2023	$4,725.00	$311,833	$313,600 Land $82,400 Building $231,200

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

Flood

FEMA maps place 45 Thyme St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2003.

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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (2003–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 2 claims

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 45 Thyme St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: IQ Fiber, Verizon.

Nearby Properties on Thyme St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures