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

Harford County property record for 122 Gracecroft Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,300 sqft · built 1997
Lot Size	0.039 acres (1,706 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Nov 2025)
Tax Bill	$2,149 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-055079`

Property Details

APN / Parcel Number

Primary APN	`06-055079`
Alternative APNs	`6055079` `055079`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,300 sqft Total Area
Basement Area	480 sqft
Finished Basement	480 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,706 sqft (0.039 acres)
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	055079
Street Address	122 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 12 1706.55 SF 122 GRACECROFT DRIVE GRACECROFT S1 PT 80/62
Legal Subdivision	VILLAGE GRACECROFT SEC 01
Legal Lot Number	12
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	122 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 20, 2019	Grant Deed, Transfer · Conventional with PMI NFM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	Aug 20, 2019 · Amount on Record
Deed Book / Page	16896 / 497
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Nov 18, 2025
Property Address	122 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Document Number	0168960497
Book / Page	16896 / 497
Map Reference	MB 80 FO 62
Instrument Date	Nov 10, 2025
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	122 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549

Mortgage

Document Number	0016896503
Date	Nov 18, 2025
Instrument	16896/503

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 20, 2019
Property Address	122 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2549
Document Number	0134020312
Book / Page	013402 / 000312
Instrument Date	Jul 26, 2019
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	122 GRACECROFT DR HAVRE DE GRACE MD 210782549, HAVRE DE GRACE, MD 21078-2549

Mortgage

Document Number	134020319
Date	Aug 20, 2019
Book Page	013402/000319

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

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	$2,149.00 (+16.86%)	$225,467 (+7.76%)	$241,700 (-) Land $70,000 Building $171,700
2025	$1,839.00 (+5.09%)	$209,233 (+11.1%)	$241,700 (+25.23%) Land $70,000 Building $171,700
2023		$188,333	$193,000 Land $56,000 Building $137,000
2022	$1,750.00

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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