520 Buttonwoods Rd, Elkton, MD 21921 Property Records

Cecil County property record for 520 Buttonwoods Rd, Elkton, MD 21921

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,280 sqft · built 1999
Lot Size	0.046 acres (2,003 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Mar 2022)
Tax Bill	$3,216 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-094685`

Property Details

APN / Parcel Number

Primary APN	`03-094685`
Alternative APNs	`3094685` `094685`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,280 sqft Total Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,003 sqft (0.046 acres)
Deck Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	094685
Street Address	520 BUTTONWOODS RD
City	ELKTON
State	MD
Zip	21921-6527
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LOT 21 - .0469 ACRE 520 BUTTONWOODS ROAD THE COURTS
Legal Subdivision	THE COURTS
Legal Lot Number	21
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

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	Individual Name on Record
Mailing Address	520 BUTTONWOODS RD, ELKTON, MD 21921-6527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed, Transfer · Conventional Mortgage FIRST WASHINGTON MORTGAGE
Jul 22, 2021	Deed, Transfer KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC
Jan 19, 2017	Deed, Transfer · VA Mortgage UNIVERSAL MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2022 · Amount on Record
Deed Sale	Mar 17, 2022 · Amount on Record
Prior Sale	Jul 22, 2021 · Amount on Record
Deed Book / Page	5126 / 108
Prior Transfer Date	Feb 2, 2016
Prior Transfer Doc	0038420152
Record Updated	Oct 29, 2026

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Mar 17, 2022
Property Address	520 BUTTONWOODS RD, ELKTON, MD 21921-6527
Document Number	0051260108
Book / Page	5126 / 108
Map Reference	PC 565 FO 1029
Instrument Date	Oct 8, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATG TITLE INC

Transaction

Amount	Amount Recorded
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
Address	520 BUTTONWOODS RD, ELKTON, MD 21921-6527

Mortgage

Document Number	0005126115
Date	Mar 17, 2022
Instrument	5126/115

Lender

Name	FIRST WASHINGTON MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Nov 1, 2051

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jul 22, 2021
Property Address	520 BUTTONWOODS RD, ELKTON, MD 21921-6527
Document Number	0049370151
Book / Page	4937 / 151
Map Reference	MB 565 G 1029
Instrument Date	Jun 28, 2021
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	KIRCH TITLE SERVICES INC, KIRSH TITLE SERVICES INC

Transaction

Amount	Amount Recorded
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	1735 CARRIAGE LAMP CT, SEVERN, MD 21144-6800

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Jan 19, 2017
Property Address	520 BUTTONWOODS RD, ELKTON, MD 21921-6527
Document Number	0040120120
Book / Page	4012 / 120
Map Reference	PC 565 FO1029
Instrument Date	Dec 28, 2016
Transaction Type	Transfer
Record Updated	Aug 12, 2021
Title Company	KIRSH TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 BUTTONWOODS RD, ELKTON, MD 21921-6527

Mortgage

Document Number	0040120126
Date	Jan 19, 2017
Book Page	4012/126

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company
Address	EDGEWATER, MD 21037

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

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	$3,216.00 (+8.87%)	$187,033 (+9.53%)	$203,300 (-) Land $60,000 Building $143,300
2025	$2,954.00 (+61.24%)	$170,767 (+17.31%)	$203,300 (+31.59%) Land $60,000 Building $143,300
2023	$1,832.00	$145,567	$154,500 Land $38,000 Building $116,500

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
Flood Insurance Cost	Premium on Record 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

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	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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