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

Harford County property record for 109 Gracecroft Ct, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,432 sqft · built 1997
Lot Size	0.039 acres (1,716 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Apr 2016)
Tax Bill	$2,398 (2026)
Deeds & Mortgages	Dec 2017 Mortgage Dec 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`06-055125`

Property Details

APN / Parcel Number

Primary APN	`06-055125`
Alternative APNs	`6055125` `055125`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,432 sqft Total Area
Basement Area	550 sqft
Finished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,716 sqft (0.039 acres)
Deck Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	055125
Street Address	109 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 53 1716.07 SF 109 GRACECROFT COURT GRACECROFT S1 PT 80/62
Legal Subdivision	GRACECROFT
Legal Lot Number	53
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 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	109 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2541
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 11, 2017	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2016 · Amount on File
Deed Sale	Apr 4, 2016 · Amount on File
Prior Sale	Oct 31, 2003 · Amount on File
Deed Book / Page	11732 / 392
Transfer Doc	0034880602
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	109 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2541
Document Number	0126720297
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 GRACECROFT CT HAVRE DE GRACE MD 210782541, HAVRE DE GRACE, MD 21078-2541

Mortgage

Document Number	0126720297
Date	Jan 17, 2018
Book Page	012672/000297

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2048

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Property Address	109 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2541
Document Number	0126810261
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 GRACECROFT CT HAVRE DE GRACE MD 210782541, HAVRE DE GRACE, MD 21078-2541

Mortgage

Document Number	0126810261
Date	Jan 24, 2018
Book Page	012681/000261

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 23, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	$2,398.00 (+16.75%)	$251,633 (+7.73%)	$269,700 (-) Land $70,000 Building $199,700
2025	$2,054.00 (+7.65%)	$233,567 (+12.36%)	$269,700 (+25.15%) Land $70,000 Building $199,700
2023		$207,867	$215,500 Land $56,000 Building $159,500
2022	$1,908.00

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.

Nearby Properties on Gracecroft Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures