Washington County property record for 10207 Cold Harbor Dr, Hagerstown, MD 21740
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,760 sqft · built 1999 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $155,000 (Jan 2010) |
| Tax Bill | $3,143 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-038103 |
| Primary APN | 10-038103 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,760 sqft Total Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Deck Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 038103 |
|---|---|
| Street Address | 10207 COLD HARBOR DR |
| City | HAGERSTOWN |
| State | MD |
| Zip | 21740-3125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RU |
| Legal Description | LT 86A&B 0.18 AC 10207 COLD HARBOR DRIVE CROSS CREEK |
| Legal Subdivision | COLD HARBOR DRIVE CROSS CREEK |
| Legal Lot Number | 86A B |
| Jurisdiction | WASHINGTON MD |
| Township / Civil Division | 10, FUNKSTOWN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10901 |
Source: Washington County records, as of October 20, 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 | 10207 COLD HARBOR DR, HAGERSTOWN, MD 21740-3125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA |
| Aug 10, 2018 | Grant Deed, Transfer · Conventional with PMI COLUMBIA BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 6, 2010 · Amount on Record |
| Deed Sale | Jan 6, 2010 · Amount on Record |
| Prior Sale | Jan 6, 2010 · Amount on Record |
| Deed Document Number | 20105012 |
| Deed Book / Page | 3802 / 478 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Property Address | 10207 COLD HARBOR DR, HAGERSTOWN, MD 21740-3125 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0063880417 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 6388/417 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | LANCASTER, PA 17602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WASHINGTON MD |
| Recording Date | Aug 10, 2018 |
| Property Address | 10207 COLD HARBOR DR, HAGERSTOWN, MD 21740-3125 |
| Document Number | 0058110180 |
| Book / Page | 005811 / 000180 |
| Instrument Date | Aug 8, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | OLD TOWNE TITLE COMPANY, OLD TOWNE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $217.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 10207 COLD HARBOR DR HAGERSTOWN MD 217403125, HAGERSTOWN, MD 21740-3125 |
| Document Number | 58110187 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 005811/000187 |
| Name | COLUMBIA BK |
|---|---|
| Type | Bank |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2048 |
Source: Washington County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Washington County |
| Unified School District | Washington County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,143.00 (+4.91%) Homeowner's exemption | $309,467 (+4.01%) | $321,400 (-) Land $72,600 Building $248,800 |
| 2025 | $2,996.00 (+10.15%) Homeowner's exemption | $297,533 (+13.75%) | $321,400 (+12.54%) Land $72,600 Building $248,800 |
| 2023 | $2,720.00 Homeowner's exemption | $261,567 | $285,600 Land $72,600 Building $213,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 14, 2017 · 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 |
| Nearby Flood Policies | 1 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF HAGERSTOWN serves 92,200 people · EPA ID MD0210010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Antietam Cable Fiber · Cable | 2,300 / 2,300 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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