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

Harford County property record for 123 Gracecroft Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,312 sqft · built 1997
Lot Size	0.059 acres (2,550 sqft)
Owner	Individual Name on Record
Last Sale	$184,750 (Oct 2005)
Tax Bill	$2,229 (2026)
Deeds & Mortgages	Jan 2022 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-055222`

Property Details

APN / Parcel Number

Primary APN	`06-055222`
Alternative APNs	`6055222` `055222`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,312 sqft Total Area
Basement Area	200 sqft
Finished Basement	200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,550 sqft (0.059 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	055222
Street Address	123 GRACECROFT DR
City	HAVRE DE GRACE
State	MD
Zip	21078-2550
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 62 2550 SF 123 GRACECROFT DRIVE GRACECROFT S1 PT 80/62
Legal Subdivision	GRACECROFT
Legal Lot Number	62
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	3
Census Block	3011
Census Tract	306400

Owner

Source: Harford County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	123 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 17, 2018	Quit Claim Deed, Transfer · Conventional with PMI WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2005 · Amount on Record
Deed Sale	Oct 3, 2005 · Amount on Record
Prior Sale	Jan 22, 1998 · Amount on Record
Deed Document Number	2005141
Deed Book / Page	6312 / 90
Last Transfer Date	May 24, 2017
Transfer Doc	0128230292
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	123 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2550
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153010304
Date	Jan 12, 2022
Book Page	15301/304

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	4826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	May 17, 2018
Property Address	123 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2550
Document Number	0128230292
Book / Page	012823 / 000292
Instrument Date	May 24, 2017
Transaction Type	Transfer
Record Updated	Jun 4, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 GRACECROFT DR HAVRE DE GRACE MD 210782550, HAVRE DE GRACE, MD 21078-2550

Mortgage

Document Number	128230300
Date	May 17, 2018
Book Page	012823/000300

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	$2,229.00 (+19.45%) Homeowner's exemption	$233,867 (+8.86%)	$252,900 (-) Land $75,000 Building $177,900
2025	$1,866.00 (+7.3%) Homeowner's exemption	$214,833 (+13.59%)	$252,900 (+29.16%) Land $75,000 Building $177,900
2023		$189,133	$195,800 Land $56,500 Building $139,300
2022	$1,739.00

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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