Harford County property record for 11 Oak St, Edgewood, MD 21040
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 900 sqft · built 1963 |
| Lot Size | 0.245 acres (10,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,900 (May 2017) |
| Tax Bill | $1,825 (2026) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Apr 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-033689 |
| Primary APN | 01-033689 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 900 sqft Total Area |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 10,680 sqft (0.245 acres) |
| Lot Dimensions | 178 ft deep x 60 ft wide |
| Porch | Slab |
| Porch Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 033689 |
|---|---|
| Street Address | 11 OAK ST |
| City | EDGEWOOD |
| State | MD |
| Zip | 21040-3315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 12 60X178 11 OAK STREET OAK ST ADD P 12/43 |
| Legal Subdivision | OAK STREET ADDITION |
| Legal Lot Number | 12 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 301602 |
11 Oak St is owned and occupied by two individuals who bought it in May 2017.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 13, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 3, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| May 15, 2017 | Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 15, 2017 · Amount on File |
| Deed Sale | May 15, 2017 · Amount on File |
| Prior Sale | Dec 31, 2001 · Amount on File |
| Deed Document Number | 201712343-0216 |
| Deed Book / Page | 12343 / 216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Document Number | 0160310146 |
|---|---|
| Date | Sep 13, 2023 |
| Book Page | 16031/146 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 285 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Document Number | 0154610427 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 15461/427 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 302 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0144530435 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | 14453/435 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 316 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Document Number | 0156380160 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 15638/160 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 15, 2017 |
| Property Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Document Number | 0123430216 |
| Book / Page | 12343 / 0216 |
| Map Reference | MB GRG12 FO43 |
| Instrument Date | May 10, 2017 |
| Instrument | 12343-0216 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2021 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,573.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 11 OAK ST, EDGEWOOD, MD 21040-3315 |
| Document Number | 123430223 |
|---|---|
| Date | May 15, 2017 |
| Instrument | 12343-0223 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
The 2026 property tax bill for 11 Oak St was $1,825, up 11.1% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,825.00 (+11.08%) | $167,500 Land $65,500 Building $102,000 | $167,500 Land $65,500 Building $102,000 |
| 2025 | $1,643.00 | ||
| 2023 | $142,400 Land $65,500 Building $76,900 | $142,400 Land $65,500 Building $76,900 | |
| 2022 | $1,544.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Oak St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2003.
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 |
|
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 risk around 11 Oak St 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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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