Cecil County property record for 511 Bow St, Elkton, MD 21921
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,997 sqft · built 1925 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $273,700 (Oct 2007) |
| Tax Bill | $4,459 (2026) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-046826 |
| Primary APN | 03-046826 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,997 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,250 sqft (0.258 acres) |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Enclosed Porch |
| Porch Area | 275 sqft |
| Deck Area | 210 sqft |
| Patio Area | 75 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 046826 |
|---|---|
| Street Address | 511 BOW ST |
| City | ELKTON |
| State | MD |
| Zip | 21921-5402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 23 & PT 22-.258 511 BOW STREET ELKTON HEIGHTS |
| Legal Subdivision | ELKTON HEIGHTS |
| Legal Block | B |
| Legal Lot Number | 22 |
| Jurisdiction | CECIL MD |
| Township / Civil Division | 3, ELKTON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 30400 |
Source: Cecil County records, as of September 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 511 BOW ST, ELKTON, MD 21921-5402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2007 · Amount on Record |
| Deed Sale | Oct 24, 2007 · Amount on Record |
| Prior Sale | Apr 4, 2001 · Amount on Record |
| Deed Document Number | 2007276178 |
| Deed Book / Page | 2423 / 615 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CECIL MD |
| Property Address | 511 BOW ST, ELKTON, MD 21921-5402 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051960210 |
|---|---|
| Date | Jul 5, 2022 |
| Book Page | 5196/210 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2037 |
Source: Cecil County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Cecil County |
| Municipality | Elkton Town |
| Unified School District | Cecil County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,459.00 (+3.84%) Homeowner's exemption | $264,433 (+11.36%) | $277,100 (+15.89%) Land $68,100 Building $209,000 |
| 2025 | $4,294.00 (+29.03%) Homeowner's exemption | ||
| 2023 | $3,328.00 Homeowner's exemption | $237,467 | $239,100 Land $68,100 Building $171,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 6 (1978–1996) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Oct 1996 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.5% of Maryland |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Talkie Communications.
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