Harford County property record for 104 Gracecroft Dr, Havre De Grace, MD 21078
| Property Type | Townhouse |
|---|---|
| Details | 1.5 ba · 1,396 sqft · built 1997 |
| Lot Size | 0.039 acres (1,709 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $190,000 (Aug 2006) |
| Tax Bill | $2,061 (2026) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-054978 |
| Primary APN | 06-054978 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,396 sqft Total Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 1,709 sqft (0.039 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 054978 |
|---|---|
| Street Address | 104 GRACECROFT DR |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-2549 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LOT 3 1709.37 SF 104 GRACECROFT DRIVE GRACECROFT S1 PT 80/62 |
| Legal Subdivision | GRACECROFT |
| Legal Lot Number | 3 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 306400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3807 HAZEL CT, ABINGDON, MD 21009-1466 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 30, 2006 · Amount on Record |
| Deed Sale | Aug 30, 2006 · Amount on Record |
| Prior Sale | Jun 30, 1997 · Amount on Record |
| Deed Document Number | 200684 |
| Deed Book / Page | 6933 / 308 |
| Prior Transfer Date | Jul 26, 2006 |
| Prior Transfer Doc | 0069330308 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 104 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0122190097 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 12219/0097 |
| Instrument | 12219-0097 |
| Name | SPECTRA FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CARLSBAD, CA 92008 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 285 Months |
| Due | Nov 1, 2040 |
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Municipality | Havre De Grace City |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,061.00 (+16.77%) | $216,200 (+7.72%) | $231,700 (-) Land $70,000 Building $161,700 |
| 2025 | $1,765.00 (+7.16%) | $200,700 (+12.12%) | $231,700 (+25.11%) Land $70,000 Building $161,700 |
| 2023 | $179,000 | $185,200 Land $56,000 Building $129,200 | |
| 2022 | $1,647.00 |
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 October 15, 2021 · 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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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.
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 |
| 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.
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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