96 Kist Rd, Elkton, MD 21921 Property Records

Cecil County property record for 96 Kist Rd, Elkton, MD 21921

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,068 sqft · built 1922
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on Record
Last Sale	$206,000 (Dec 2022)
Tax Bill	$1,890 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-015475`

Property Details

APN / Parcel Number

Primary APN	`03-015475`
Alternative APNs	`3015475` `015475`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,068 sqft Total Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	108 sqft
Deck Area	96 sqft
Shed	1 Shed
Shed Area	400 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	015475
Street Address	96 KIST RD
City	ELKTON
State	MD
Zip	21921-4827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	UR
Legal Description	LOT - .4600 ACRE 96 KIST ROAD NORTH OF DOGWOOD RD
Jurisdiction	CECIL MD
Township / Civil Division	3, ELKTON
Census Block Group	1
Census Block	1005
Census Tract	30503

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	96 KIST RD, ELKTON, MD 21921-4827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage US BANK NA
Dec 21, 2022	Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE
Aug 8, 2022	Deed, Transfer · Commercial Mortgage KAINE INVESTMENTS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Prior Sale	Aug 8, 2022 · Amount on Record
Deed Book / Page	5274 / 285
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CECIL MD
Property Address	96 KIST RD, ELKTON, MD 21921-4827
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 KIST RD, ELKTON, MD 21921-4827

Mortgage

Document Number	0057300374
Date	Jan 15, 2026
Book Page	5730/374

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2053

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Dec 21, 2022
Property Address	96 KIST RD, ELKTON, MD 21921-4827
Document Number	0052740285
Book / Page	5274 / 285
Map Reference	LB 5213 FO 1
Instrument Date	Dec 19, 2022
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
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	96 KIST RD, ELKTON, MD 21921-4827

Mortgage

Document Number	0052740294
Date	Dec 21, 2022
Instrument	5274-0294

Lender

Name	ATLANTIC COAST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Mortgage

Document Number	0052740309
Date	Dec 21, 2022
Book Page	5274/309

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CECIL MD
Recording Date	Aug 8, 2022
Property Address	96 KIST RD, ELKTON, MD 21921-4827
Document Number	0052130001
Book / Page	5213 / 1
Instrument Date	Jul 29, 2022
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	REXTAR TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0052130005
Date	Aug 8, 2022
Book Page	5213/5

Lender

Name	KAINE INVESTMENTS LLC
Address	HUNTINGTOWN, MD 20639

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,890.00 (+22.33%)	$168,767 (+66.71%)	$201,800 (+96.49%) Land $36,000 Building $165,800
2025	$1,545.00 (+223.22%)
2023	$478.00 (-57.44%)	$101,233 (+1.47%)	$102,700 (-) Land $36,000 Building $66,700
2022	$1,123.00	$99,767	$102,700 Land $36,000 Building $66,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force

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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Talkie Communications Fiber	10,000 / 10,000
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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