109 Palmetto Dr, Edgewood, MD 21040 Property Records

Harford County property record for 109 Palmetto Dr, Edgewood, MD 21040

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,218 sqft · built 1978
Lot Size	0.113 acres (4,920 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (May 2018)
Tax Bill	$2,297 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Mar 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-073672`

Property Details

APN / Parcel Number

Primary APN	`01-073672`
Alternative APNs	`1073672` `073672`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,218 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	4,920 sqft (0.113 acres)
Lot Dimensions	120 ft deep x 41 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	073672
Street Address	109 PALMETTO DR
City	EDGEWOOD
State	MD
Zip	21040-3519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 214 41/41X120 AV 109 PALMETTO DRIVE WILLBY WOODS P5 P 36/88
Legal Subdivision	WILLOUGHBY WOODS
Legal Lot Number	214
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2007
Census Tract	301602

Owner

Source: Harford County records, as of October 19, 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 Record
Mailing Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 24, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 17, 2020	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG
Aug 17, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 25, 2018	Deed, Transfer · FHA Mortgage HOME MORTGAGE ALLIANCE CORP
Aug 31, 2017	Grant Deed, Transfer GOLDSTAR ABSTRACT LLC
Mar 10, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2018 · Amount on Record
Deed Sale	May 25, 2018 · Amount on Record
Prior Sale	Aug 31, 2017 · Amount on Record
Deed Book / Page	12833 / 228
Prior Transfer Date	Feb 18, 2016
Prior Transfer Doc	0122570486
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519

Mortgage

Document Number	0160800344
Date	Nov 1, 2023
Book Page	16080/344

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Nov 1, 2063

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519

Mortgage

Document Number	0154290230
Date	Mar 24, 2022
Book Page	15429/230

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2052

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARFORD MD
Property Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519
Document Number	0141160204
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALMETTO DR EDGEWOOD MD 210403519, EDGEWOOD, MD 21040-3519

Mortgage

Document Number	0141160204
Date	Sep 17, 2020
Book Page	014116/000204

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519
Document Number	0141160212
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 7, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALMETTO DR EDGEWOOD MD 210403519, EDGEWOOD, MD 21040-3519

Mortgage

Document Number	0141160212
Date	Sep 17, 2020
Book Page	014116/000212

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2050

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 25, 2018
Property Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519
Document Number	0128330228
Book / Page	12833 / 0228
Map Reference	MB36 FO88
Instrument Date	May 18, 2018
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SAGE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519

Mortgage

Document Number	0012833235
Date	May 25, 2018
Instrument	12833/235

Lender

Name	HOME MORTGAGE ALLIANCE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 31, 2017
Property Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519
Document Number	0124950228
Book / Page	012495 / 000228
Instrument Date	Aug 3, 2017
Transaction Type	Transfer
Record Updated	Sep 11, 2017
Title Company	GOLDSTAR ABSTRACT LLC

Transaction

Amount	Amount Recorded
Tax	$114.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8010 REDSTONE RD KINGSVILLE MD 210871514, KINGSVILLE, MD 21087-1514

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HARFORD MD
Recording Date	Mar 10, 2017
Property Address	109 PALMETTO DR, EDGEWOOD, MD 21040-3519
Document Number	0122570486
Book / Page	012257 / 000486
Instrument Date	Dec 28, 2015
Transaction Type	Foreclosure
Record Updated	Mar 24, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$97.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,297.00 (+20.45%) Homeowner's exemption	$210,800 (+6.73%) Land $50,000 Building $160,800	$210,800 (-) Land $50,000 Building $160,800
2025	$1,907.00 (+10.68%) Homeowner's exemption	$197,500 (+15.56%)	$210,800 (+23.35%) Land $50,000 Building $160,800
2023		$170,900 Land $50,000 Building $120,900	$170,900 Land $50,000 Building $120,900
2022	$1,723.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (2003–2017)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Aug 2017 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 4 claims

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 450 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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