52 Thyme St, Elkton, MD 21921 Property Records

Cecil County property record for 52 Thyme St, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,248 sqft · built 2020
Lot Size	0.191 acres (8,335 sqft)
Owner	Individual Name on File
Last Sale	$274,079 (Apr 2020)
Tax Bill	$4,896 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-125505`

Property Details

APN / Parcel Number

Primary APN	`03-125505`
Alternative APN	`125505`

Interior

Full Baths	3 Baths
Building Area	1,248 sqft Total Area
Basement Area	621 sqft
Finished Basement	621 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Split Foyer
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,335 sqft (0.191 acres)
Garage Type	Basement
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	125505
Street Address	52 THYME ST
City	ELKTON
State	MD
Zip	21921-6572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 38 - .19 ACRE 52 THYME STREET SOUTH STREAM
Legal Subdivision	FINAL MAJOR SUBDIVISION FOR SOUTH STREAM
Legal Lot Number	38
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1014
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

52 Thyme St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	52 THYME ST, ELKTON, MD 21921-6572
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
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 20, 2020	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Feb 6, 2020	Deed of Trust, Construction Loan · Line of Credit SONABANK NA
Feb 19, 2019	Grant Deed, Transfer MID ATLANTIC TITLE
Jul 16, 2018	Trustee's Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2020 · Amount on File
Deed Sale	Apr 20, 2020 · Amount on File
Prior Sale	Feb 19, 2019 · Amount on File
Deed Book / Page	4586 / 19
Prior Transfer Date	Jul 10, 2018
Prior Transfer Doc	0042710356
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	52 THYME ST, ELKTON, MD 21921-6572
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0048130148
Date	Mar 4, 2021
Book Page	4813/148

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	52 THYME ST, ELKTON, MD 21921-6572
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050440253
Date	Nov 29, 2021
Book Page	5044/253

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	May 1, 2051

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Apr 20, 2020
Property Address	52 THYME ST, ELKTON, MD 21921-6572
Document Number	0045860019
Book / Page	4586 / 19
Map Reference	LB PC1110 FO 21-23
Instrument Date	Mar 31, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	MID ATLANTIC TITLE 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 in Severalty
Address	52 THYME ST, ELKTON, MD 21921-6572

Mortgage

Document Number	0000458630
Date	Apr 20, 2020
Instrument	4586/30

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

February 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Recording Date	Feb 6, 2020
Property Address	52 THYME ST, ELKTON, MD 21921-6572
Document Number	0045460141
Book / Page	004546 / 000141
Instrument Date	Jan 28, 2020
Transaction Type	Construction Loan
Record Updated	Feb 28, 2020
Title Company	MID ATLANTIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2205 COMMERCE RD #A FOREST HILL MD 210502576, A, FOREST HILL, MD 21050-2576

Mortgage

Document Number	45460141
Date	Feb 6, 2020
Book Page	004546/000141

Lender

Name	SONABANK NA
Type	Bank
Address	ASHLAND, VA 23005

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CECIL MD
Recording Date	Feb 19, 2019
Property Address	52 THYME ST, ELKTON, MD 21921-6572
Document Number	0043630087
Book / Page	004363 / 000087
Instrument Date	Feb 14, 2019
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	MID ATLANTIC TITLE

Transaction

Amount	Amount on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2205 COMMERCE RD FOREST HILL MD 210502566, FOREST HILL, MD 21050-2566

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CECIL MD
Recording Date	Jul 16, 2018
Property Address	52 THYME ST, ELKTON, MD 21921-6572
Document Number	0042710356
Book / Page	004271 / 000356
Instrument Date	Mar 27, 2018
Transaction Type	Foreclosure
Record Updated	Aug 1, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 S CHARLES ST #13TH BALTIMORE MD 212013330, 13TH, BALTIMORE, MD 21201-3330

Tax Assessment & Valuation

The 2026 property tax bill for 52 Thyme St was $4,896 with a homeowner's exemption, up 3.7% 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	$4,896.00 (+3.68%) Homeowner's exemption	$287,100	$299,900 Land $82,100 Building $217,800
2025	$4,722.00 Homeowner's exemption
2023	$3,850.00 Homeowner's exemption	$261,500 Land $82,100 Building $179,400	$261,500 Land $82,100 Building $179,400

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

Flood

FEMA maps place 52 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 52 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.

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