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Single Family ResidenceResidential
$523,578$211 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $146,000 on Nov 30, 1987

428 ROCK CHURCH RD

ELKTON, MD 21921
2
Baths
2,479 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1987
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$524K
$487K low$560K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$146,000 · Nov 30, 1987
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$423,578
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$338,862
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.20%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$100,000
BANK OF AMERICA NA · recorded Feb 13, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,186 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$424,133 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$377,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$518,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCECIL
Lot (acres)The size of the land the home sits on, from county records.3.11
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Built-in
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 352 ft²Shed · 864 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Cherry Hill Middle SchoolC+
Middle · Grades 6–8 · 2.9 mi
E
Kenmore Elementary SchoolC-
Elementary · Grades PK–5 · 3.0 mi
H
Rising Sun High SchoolB
High · Grades 9–12 · 5.2 mi

District: Cecil County Public Schools

Neighborhood · ZIP 21921These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.85
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.68

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.47,146
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.474 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$84,380
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$104,713
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.57%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

428 Rock Church Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 84% of homes in Elkton 21921
  • Bigger than 84% of homes in Elkton 21921
  • Has a bigger lot than 91% of homes in Elkton 21921

What homes are worth in Elkton 21921

Each bar is how many homes fall in that price range. The marker is this home.

This home
$117K$833K

This home is worth more than 84% of homes in Elkton 21921.

How it measures up in Elkton 21921

The dot is this home. The mark in the middle is the typical home in Elkton 21921.

Estimated value$523,578
CheaperTypical $357,335Pricier

Pricier than 84% of homes nearby

Price per ft²$211
CheaperTypical $216Pricier

Pricier than 46% of homes nearby

Living area2,479 ft²
SmallerTypical 1,568 ft²Bigger

Bigger than 84% of homes nearby

Lot size3.11 ac
SmallerTypical 0.47 acBigger

Bigger than 91% of homes nearby

Year built1987
OlderTypical 1987Newer

Newer than 51% of homes nearby

How 428 Rock Church Rd ranks against every home in each area.
MeasureThis homeElkton 21921Cecil County
Estimated valuepricier than$523,57884% of homes83% of homes
Price per ft²pricier than$21146% of homes41% of homes
Living areabigger than2,479 ft²84% of homes83% of homes
Lot sizebigger than3.11 ac91% of homes89% of homes
Year builtnewer than198751% of homes50% of homes

About 428 Rock Church Rd

How much is 428 Rock Church Rd, Elkton, MD worth?

The TopHap Estimate for 428 Rock Church Rd, Elkton, MD is $523,578 as of Jul 14, 2026. The likely range is $487,152 to $560,004. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 428 Rock Church Rd, Elkton, MD last sell?

428 Rock Church Rd, Elkton, MD last sold on Nov 30, 1987 for $146,000, according to the county's recorded deed.

How big is 428 Rock Church Rd, Elkton, MD?

428 Rock Church Rd, Elkton, MD has 2 bathrooms, 2,479 square feet of living space and a 3.11-acre lot.

When was 428 Rock Church Rd, Elkton, MD built?

428 Rock Church Rd, Elkton, MD was built in 1987, making it 39 years old. The building has 1 story.

What schools serve 428 Rock Church Rd, Elkton, MD?

428 Rock Church Rd, Elkton, MD is assigned to Cherry Hill Middle School (middle), rated C+; Kenmore Elementary School (elementary), rated C-; Rising Sun High School (high), rated B. All sit in Cecil County Public Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 428 Rock Church Rd, Elkton, MD compare to other homes in Elkton 21921?

Among the 14,505 homes in Elkton 21921, it is worth more than 84% of them ($523,578 against a typical $357,335), its price per square foot is higher than 46% of them ($211 against a typical $216), it is bigger than 84% of them (2,479 ft² against a typical 1,568 ft²), its lot is bigger than 91% of them (3.11 ac against a typical 0.47 ac) and it is newer than 51% of them (1987 against a typical 1987). Measured against all of Cecil County, it is worth more than 83% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 428 Rock Church Rd, Elkton, MD?

The 2025 property tax bill for 428 Rock Church Rd, Elkton, MD was $4,186. The county assessed it at $424,133.

Closest homes

More homes in Elkton 21921

Assigned schools

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