55 Irwin Ave, Elkton, MD 21921 Property Records

Cecil County property record for 55 Irwin Ave, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,574 sqft · built 1958
Lot Size	0.517 acres (22,500 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Mar 2015)
Tax Bill	$2,392 (2026)
Deeds & Mortgages	Sep 2019 Loan Modification Dec 2016 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-033171`

Property Details

APN / Parcel Number

Primary APN	`03-033171`
Alternative APNs	`3033171` `033171`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,574 sqft Total Area
Basement Area	480 sqft
Finished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Split Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	22,500 sqft (0.517 acres)
Garage Type	Attached
Garage Area	948 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	033171
Street Address	55 IRWIN AVE
City	ELKTON
State	MD
Zip	21921-7751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	.518 ACRE 55 IRWIN AVENUE S/W OF ELKTON
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1013
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

55 Irwin Ave is owned and occupied by an individual who bought it in March 2015.

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

Owner of Record	Individual Name on File
Mailing Address	55 IRWIN AVE, ELKTON, MD 21921-7751
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
Sep 6, 2019	Loan Modification, Mortgage · FHA Mortgage PNC MTG
Dec 1, 2016	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Dec 1, 2016	Loan Modification, Mortgage · FHA Mortgage PNC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2015 · Amount on File
Deed Sale	Mar 24, 2015 · Amount on File
Prior Sale	Aug 6, 2002 · Amount on File
Deed Book / Page	3700 / 446
Transfer Doc	0012040199
Record Updated	Oct 29, 2026

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CECIL MD
Property Address	55 IRWIN AVE, ELKTON, MD 21921-7751
Document Number	0044780146
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 IRWIN AVE ELKTON MD 219217751, ELKTON, MD 21921-7751

Mortgage

Document Number	0044780146
Date	Oct 8, 2019
Book Page	004478/000146

Lender

Name	PNC MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2049

Interest

Rate	4.12%

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	55 IRWIN AVE, ELKTON, MD 21921-7751
Document Number	0040100348
Book / Page	004010 / 000348
Instrument Date	Dec 1, 2016
Transaction Type	Mortgage
Record Updated	Mar 28, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 IRWIN AVE ELKTON MD 219217751, ELKTON, MD 21921-7751

Mortgage

Document Number	0040100348
Date	Jan 17, 2017
Book Page	004010/000348

Lender

Name	HUD-HOUSING/URBAN DEV

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2047

December 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CECIL MD
Property Address	55 IRWIN AVE, ELKTON, MD 21921-7751
Document Number	0040790187
Instrument Date	Dec 1, 2016
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 IRWIN AVE ELKTON MD 219217751, ELKTON, MD 21921-7751

Mortgage

Document Number	0040790187
Date	Jun 9, 2017
Book Page	004079/000187

Lender

Name	PNC MTG
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 55 Irwin Ave was $2,392, up 2.3% from the year before.

Source: Cecil County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Cecil County
Unified School District	Cecil County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,392.00 (+2.27%)	$215,100 (+3.26%)	$221,900 (-) Land $71,200 Building $150,700
2025	$2,339.00	$208,300	$221,900 Land $71,200 Building $150,700
2023	$1,569.00	$200,067	$201,500 Land $71,200 Building $130,300

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

Flood

FEMA maps place 55 Irwin Ave 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 55 Irwin Ave is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50

May also be available: Talkie Communications.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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