1045 Elm Rd, Baltimore (Halethorpe), MD 21227 Property Records

Baltimore County property record for 1045 Elm Rd, Baltimore, MD 21227

Property Summary

Property Type	Townhouse
Details	1 ba · 1,024 sqft · built 1953
Lot Size	0.041 acres (1,792 sqft)
Owner	Individual Name on File
Last Sale	$206,000 (Dec 2021)
Tax Bill	$1,418 (2023)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2021 Sale & Mortgage
APN	`13-1313080090`

Property Details

APN / Parcel Number

Primary APN	`13-1313080090`
Alternative APN	`1313080090`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,024 sqft Total Area
1st Floor Area	512 sqft
Basement Area	256 sqft
Finished Basement	256 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Architectural Style	Townhouse
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	1,792 sqft (0.041 acres)
Lot Dimensions	112 ft deep x 16 ft wide
Porch	Enclosed Porch
Porch Area	77 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	1313080090
Street Address	1045 ELM RD
City	BALTIMORE
State	MD
Zip	21227-3935
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	1045 ELM RD ARBOUR MANOR
Legal Section	1
Legal Subdivision	ARBOUR MANOR
Legal Block	3
Legal Lot Number	11
Jurisdiction	BALTIMORE MD
Township / Civil Division	13
Census Block Group	3
Census Block	3007
Census Tract	430700

Owner

1045 Elm Rd, a townhouse, is owned and occupied by an individual who bought it in December 2021.

Source: Baltimore County records, as of September 22, 2023

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1045 ELM RD, BALTIMORE, MD 21227-3935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 27, 2021	Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2021 · Amount on File
Deed Sale	Dec 27, 2021 · Amount on File
Prior Sale	Apr 10, 2001 · Amount on File
Deed Document Number	0000460961
Deed Book / Page	46096 / 1
Record Updated	Jun 7, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	1045 ELM RD, BALTIMORE, MD 21227-3935
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0445660361
Date	Apr 26, 2021
Book Page	44566/361

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	303 Months
Due	Jul 1, 2046

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Dec 27, 2021
Property Address	1045 ELM RD, BALTIMORE, MD 21227-3935
Document Number	0460960001
Book / Page	46096 / 1
Map Reference	PL 18 FO 69
Instrument Date	Nov 30, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ASSURE TITLE, ASSURANCE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Tenants in Severalty
Address	1045 ELM RD, HALETHORPE, MD 21227-3935

Mortgage

Document Number	0004609610
Date	Dec 27, 2021
Instrument	46096/10

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Maryland
County	Baltimore County
Unified School District	Baltimore County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,418.00	$178,333	$180,100 Land $55,800 Building $124,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 1045 Elm Rd; there have been 3 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1989)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1989 · rainfall accumulation

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

Wildfire risk around 1045 Elm Rd is low, with a 0.01% annual chance of 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.

Drinking Water

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

Water System	CITY OF BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 777 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Believe Broadband Fixed Wireless	1,000 / 1,000
Verizon Fiber	980 / 880

May also be available: AT&T, BridgeMAXX Suncoast Broadband.

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