103 Gracecroft Ct, Havre De Grace, MD 21078 Property Records

Harford County property record for 103 Gracecroft Ct, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,300 sqft · built 1997
Lot Size	0.04 acres (1,732 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Feb 2026)
Tax Bill	$2,058 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Sep 2025 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`06-055168`

Property Details

APN / Parcel Number

Primary APN	`06-055168`
Alternative APNs	`6055168` `055168`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,300 sqft Total Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,732 sqft (0.04 acres)
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	055168
Street Address	103 GRACECROFT CT
City	HAVRE DE GRACE
State	MD
Zip	21078-2541
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 56 1732.14 SF 103 GRACECROFT COURT GRACECROFT S1 PT 80/62
Legal Subdivision	GRACECROFT
Legal Lot Number	56
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	3
Census Block	3009
Census Tract	306400

Owner

Source: Harford County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	103 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2541
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Deed, Subdivision Related Transfer · FHA Mortgage DIRECT MORTGAGE LOANS LLC
Sep 22, 2025	Deed, Construction Loan · Construction Mortgage CONVENTUS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	Sep 22, 2025 · Amount on Record
Deed Book / Page	17009 / 10
Transfer Doc	0056820604
Record Updated	Oct 29, 2026

February 2026: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 20, 2026
Property Address	103 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2541
Document Number	0170090010
Book / Page	17009 / 10
Map Reference	MB 80 FO 62
Instrument Date	Feb 10, 2026
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 6, 2026
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	103 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2541

Mortgage

Document Number	0001700920
Date	Feb 20, 2026
Instrument	17009/20

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2031
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	5.89%
Index	1-Year CMT
Margin	2

September 2025: Deed, Construction Loan

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 22, 2025
Property Address	103 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2541
Document Number	0168150013
Book / Page	16815 / 13
Map Reference	MB 80 FO 62
Instrument Date	Sep 18, 2025
Transaction Type	Construction Loan
Record Updated	Oct 2, 2025
Title Company	UNKNOWN, NEW WORLD TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
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	8128 EDGEWATER RD, CLEARWATER BEACH, MD 21226-2009

Mortgage

Document Number	0001681519
Date	Sep 22, 2025
Instrument	16815/19

Lender

Name	CONVENTUS LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2026

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Municipality	Havre De Grace City
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,058.00 (+16.73%) Homeowner's exemption	$215,933 (+7.71%)	$231,400 (-) Land $70,000 Building $161,400
2025	$1,763.00 (+7.17%)	$200,467 (+12.12%)	$231,400 (+25.08%) Land $70,000 Building $161,400
2023		$178,800	$185,000 Land $56,000 Building $129,000
2022	$1,645.00

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 October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (2013–2025)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jul 2025 · river or lake flooding

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 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HAVRE DE GRACE serves 14,000 people · EPA ID MD0120012
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2016
Treatment and Procedure	Organic carbon removal Oct 2023
Monitoring and Reporting	16 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

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