Baltimore County property record for 12 Spinnaker Reef Ct, Baltimore, MD 21220
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,938 sqft · built 1995 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (Mar 2024) |
| Tax Bill | $2,159 (2023) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage |
| APN | 15-2200015361 |
| Primary APN | 15-2200015361 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,938 sqft Total Area |
| 1st Floor Area | 1,368 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 104 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 2200015361 |
|---|---|
| Street Address | 12 SPINNAKER REEF CT |
| City | BALTIMORE |
| State | MD |
| Zip | 21220-7505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .14 AC 12 SPINNAKER REEF CT SENECA HARBOR |
| Legal Subdivision | SENECA HARBOR |
| Legal Block | D |
| Legal Lot Number | 6 |
| Jurisdiction | BALTIMORE MD |
| Township / Civil Division | 15 |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 451803 |
12 Spinnaker Reef Ct is owned and occupied by an individual who bought it in March 2024.
Source: Baltimore County records, as of March 19, 2024
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 |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12 SPINNAKER REEF CT, MIDDLE RIVER, MD 21220-7505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2024 · Amount on File |
| Deed Sale | Mar 6, 2024 · Amount on File |
| Prior Sale | Apr 28, 2016 · Amount on File |
| Deed Document Number | 0048833352 |
| Deed Book / Page | 48833 / 352 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Recording Date | Mar 6, 2024 |
| Property Address | 12 SPINNAKER REEF CT, BALTIMORE, MD 21220-7505 |
| Document Number | 0488330352 |
| Book / Page | 48833 / 352 |
| Map Reference | MB 64 FO 129 |
| Instrument Date | Mar 1, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2024 |
| Title Company | R AND P SETTLEMENT GROUP LLC, R & P SETTLMEENT GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 SPINNAKER REEF CT, MIDDLE RIVER, MD 21220-7505 |
| Document Number | 0488330359 |
|---|---|
| Date | Mar 6, 2024 |
| Instrument | 48833-0359 |
| Name | CAZLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
Source: Baltimore County assessment roll, as of July 1, 2023
| Type | Name |
|---|---|
| State | Maryland |
| County | Baltimore County |
| Unified School District | Baltimore County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $2,159.00 | $274,200 Land $102,000 Building $172,200 | $274,200 Land $102,000 Building $172,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 12 Spinnaker Reef Ct; there have been 31 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 |
|---|---|
| Flood Insurance Cost | Premium on File median of 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 31 (1979–2024) |
| Claims Outside the SFHA | 3 of 31 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| 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 12 Spinnaker Reef Ct is low, with less than 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 94% of the US · lower than 87% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| Believe Broadband Fixed Wireless | 500 / 100 |
5G (outdoors only) and 4G LTE
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