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

Harford County property record for 131 Gracecroft Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,392 sqft · built 1997
Lot Size	0.039 acres (1,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$272,500 (Jul 2022)
Tax Bill	$2,449 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-054625`

Property Details

APN / Parcel Number

Primary APN	`06-054625`
Alternative APNs	`6054625` `054625`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,392 sqft Total Area
Basement Area	520 sqft
Finished Basement	520 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	1,700 sqft (0.039 acres)
Deck Area	168 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	054625
Street Address	131 GRACECROFT DR
City	HAVRE DE GRACE
State	MD
Zip	21078-2555
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 23 1700 SF 131 GRACECROFT DRIVE GRACECROFT S1 PT 80/61
Legal Subdivision	VILLAGE GRACECROFT SEC I
Legal Lot Number	23
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 October 8, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	131 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Jul 7, 2022	Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Prior Sale	Nov 27, 2006 · Amount on Record
Deed Book / Page	15588 / 195
Prior Transfer Date	Apr 23, 2012
Prior Transfer Doc	0096830315
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Sep 30, 2026
Property Address	131 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2555
Document Number	1731000286
Book / Page	17310 / 286
Instrument Date	Sep 9, 2026
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2555

Mortgage

Document Number	1731000286,
Date	Sep 30, 2026
Book Page	17310/286

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	310 Months
Due	Jul 1, 2052

Interest

Max Rate	-1%

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 7, 2022
Property Address	131 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2555
Document Number	0155880195
Book / Page	15588 / 195
Map Reference	MB CGH 80 FIO 61
Instrument Date	Jun 30, 2022
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	UNIVERSAL TITLE COMPANY, UNIVERSAL TITLE

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 by the Entirety
Address	131 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2555

Mortgage

Document Number	0155880203
Date	Jul 7, 2022
Instrument	15588-0203

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

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	$2,449.00 (+25.46%)	$256,933 (+11.29%)	$283,000 (-) Land $70,000 Building $213,000
2025	$1,952.00 (+7.49%)	$230,867 (+16.8%)	$283,000 (+38.18%) Land $70,000 Building $213,000
2023		$197,667	$204,800 Land $56,000 Building $148,800
2022	$1,816.00

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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