118 Gracecroft Dr, Havre De Grace, MD 21078 Property Records

Harford County property record for 118 Gracecroft Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,432 sqft · built 1997
Lot Size	0.039 acres (1,707 sqft)
Owner	Individual Name on Record
Last Sale	$93,500 (Oct 2001)
Tax Bill	$2,128 (2026)
Deeds & Mortgages	Jan 2017 Line of Credit Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-055052`

Property Details

APN / Parcel Number

Primary APN	`06-055052`
Alternative APNs	`6055052` `055052`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,432 sqft Total Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,707 sqft (0.039 acres)
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	055052
Street Address	118 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 10 1707SF 118 GRACECROFT DRIVE GRACECROFT S1 PT 80/62
Legal Subdivision	GRACECROFT
Legal Lot Number	10
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 Record
Mailing Address	118 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2017	Deed of Trust, Mortgage · Line of Credit CHESAPEAKE BANK & TRUST COMPANY
Apr 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHESAPEAKE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2001 · Amount on Record
Deed Sale	Oct 30, 2001 · Amount on Record
Prior Sale	Mar 15, 2000 · Amount on Record
Deed Document Number	2001100
Deed Book / Page	3715 / 96
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	118 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0121880259
Date	Jan 18, 2017
Book Page	12188/0259
Instrument	12188-0259

Lender

Name	CHESAPEAKE BANK & TRUST COMPANY
Type	Bank
Address	CHESTERTOWN, MD 21620

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	118 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Document Number	0132600160
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 GRACECROFT DR HAVRE DE GRACE MD 210782549, HAVRE DE GRACE, MD 21078-2549

Mortgage

Document Number	0132600160
Date	May 13, 2019
Book Page	013260/000160

Lender

Name	CHESAPEAKE BK
Type	Bank
Address	CHESTERTOWN, MD 21620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	1%

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	$2,128.00 (+16.79%) Homeowner's exemption	$223,267 (+20.86%)	$239,300 (+25.16%) Land $70,000 Building $169,300
2025	$1,822.00 (+7.24%) Homeowner's exemption
2023		$184,733	$191,200 Land $56,000 Building $135,200
2022	$1,699.00

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.

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