13118 Choptank Rd, Baltimore (Middle River), MD 21220 Property Records

Baltimore County property record for 13118 Choptank Rd, Baltimore, MD 21220

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,200 sqft · built 1953
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$217,000 (Nov 2019)
Tax Bill	$3,408 (2024)
Deeds & Mortgages	Jan 2024 Second Mortgage Jun 2023 Mortgage + 2 more
APN	`15-1518102760`

Property Details

APN / Parcel Number

Primary APN	`15-1518102760`
Alternative APN	`1518102760`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,500 sqft
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	444 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	1518102760
Street Address	13118 CHOPTANK RD
City	MIDDLE RIVER
State	MD
Zip	21220-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLIVER BEACH
Legal Subdivision	OLIVER BEACH
Legal Block	1
Legal Lot Number	190
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	1
Census Block	1006
Census Tract	451801

Owner

13118 Choptank Rd is owned and occupied by an individual who bought it in November 2019.

Source: Baltimore County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	13118 CHOPTANK RD, MIDDLE RIVER, MD 21220-1105
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 2, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 27, 2019	Grant Deed, Transfer · FHA Mortgage EVOLVE BK&TR
Aug 10, 2018	Grant Deed, Transfer FLAGSHIP R/E SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on File
Deed Sale	Nov 27, 2019 · Amount on File
Prior Sale	Aug 10, 2018 · Amount on File
Deed Book / Page	42167 / 180
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	13118 CHOPTANK RD, BALTIMORE, MD 21220-1105
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13118 CHOPTANK RD, MIDDLE RIVER, MD 21220-1105

Mortgage

Document Number	0487310097
Date	Jan 29, 2024
Book Page	48731/97

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	311 Months
Due	Dec 1, 2049

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	13118 CHOPTANK RD, BALTIMORE, MD 21220-1105
Transaction Type	Mortgage
Record Updated	Jun 19, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13118 CHOPTANK RD, MIDDLE RIVER, MD 21220-1105

Mortgage

Document Number	0481030104
Date	Jun 2, 2023
Book Page	48103/104

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Dec 1, 2049

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	Nov 27, 2019
Property Address	13118 CHOPTANK RD, BALTIMORE, MD 21220-1105
Document Number	0421670180
Book / Page	042167 / 000180
Instrument Date	Nov 15, 2019
Transaction Type	Transfer
Record Updated	Dec 17, 2019
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.00
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	13118 CHOPTANK RD BALTIMORE MD 212201105, BALTIMORE, MD 21220-1105

Mortgage

Document Number	421670186
Date	Nov 27, 2019
Book Page	042167/000186

Lender

Name	EVOLVE BK&TR
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	Aug 10, 2018
Property Address	13118 CHOPTANK RD, BALTIMORE, MD 21220-1105
Document Number	0405580117
Book / Page	040558 / 000117
Instrument Date	Aug 3, 2018
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	FLAGSHIP R/E SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$110.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5028 FINSBURY RD ROSEDALE MD 212375016, ROSEDALE, MD 21237-5016

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 14, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Baltimore County
Unified School District	Baltimore County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$255,367	$273,700 Land $90,000 Building $183,700
2024	$3,408.00 (+103.22%)
2023	$1,677.00	$218,700 Land $86,500 Building $132,200	$218,700 Land $86,500 Building $132,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 13118 Choptank Rd; there have been 18 flood claims nearby since 1981.

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 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	18 (1981–2024)
Claims Outside the SFHA	9 of 18
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Irene, Aug 2011 · 2 claims Hurricane Isabel, Sep 2003 · 10 claims

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

Wildfire risk around 13118 Choptank Rd is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T.

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