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

Harford County property record for 129 Gracecroft Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,220 sqft · built 1997
Lot Size	0.039 acres (1,700 sqft)
Owner	Individual Name on Record
Last Sale	$276,700 (May 2024)
Tax Bill	$2,234 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-054633`

Property Details

APN / Parcel Number

Primary APN	`06-054633`
Alternative APNs	`6054633` `054633`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,220 sqft Total Area
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,700 sqft (0.039 acres)
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	054633
Street Address	129 GRACECROFT DR
City	HAVRE DE GRACE
State	MD
Zip	21078-2554
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 24 1700 SF 129 GRACECROFT DRIVE GRACECROFT S1 PT 80/61
Legal Subdivision	SECTION I PART II VILLGE OF GRACECROFT
Legal Lot Number	24
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	129 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 6, 2022	Deed, Transfer · Conventional Mortgage MERIDIAN BANK
Jun 12, 2019	Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2024 · Amount on Record
Deed Sale	May 28, 2024 · Amount on Record
Prior Sale	Jan 6, 2022 · Amount on Record
Deed Book / Page	16275 / 162
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	129 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2554
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0152620486
Date	Dec 21, 2021
Book Page	15262/486

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 6, 2022
Property Address	129 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2554
Document Number	0152890470
Book / Page	15289 / 470
Map Reference	MB 80 FO 61
Instrument Date	Dec 30, 2021
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	RE TITLE SERVICES LLC, RAVEN TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	2086 WILKENSON AVENUE, BRONX, NY 10461

Mortgage

Document Number	0015289474
Date	Jan 6, 2022
Instrument	15289/474

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jun 12, 2019
Property Address	129 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2554
Document Number	0133020228
Book / Page	13302 / 0228
Map Reference	MB CGH80 FO 61
Instrument Date	May 31, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	OMNI LAND SETTLEMENT CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	129 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2554

Mortgage

Document Number	0013302235
Date	Jun 12, 2019
Instrument	13302/235

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 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	$2,234.00 (+20.37%)	$234,433 (+26.47%)	$254,300 (+30.61%) Land $70,000 Building $184,300
2025	$1,856.00 (+10.61%)
2023		$185,367	$194,700 Land $56,000 Building $138,700
2022	$1,678.00

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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