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

Harford County property record for 132 Gracecroft Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	1.5 ba · 1,320 sqft · built 1998
Lot Size	0.039 acres (1,704 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jan 2021)
Tax Bill	$2,120 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-054560`

Property Details

APN / Parcel Number

Primary APN	`06-054560`
Alternative APNs	`6054560` `054560`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,320 sqft Total Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,704 sqft (0.039 acres)
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	054560
Street Address	132 GRACECROFT DR
City	HAVRE DE GRACE
State	MD
Zip	21078-2551
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 17 1704.80 SF 132 GRACECROFT DRIVE GRACECROFT S1 PT 80/61
Legal Subdivision	GRACECROFT
Legal Lot Number	17
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	3
Census Block	3009
Census Tract	306400

Owner

132 Gracecroft Dr, a townhouse, is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	132 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2551
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2021 · Amount on File
Deed Sale	Jan 5, 2021 · Amount on File
Prior Sale	Oct 19, 1999 · Amount on File
Deed Book / Page	14381 / 11
Transfer Doc	0000000481
Record Updated	Oct 29, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 5, 2021
Property Address	132 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2551
Document Number	0143810011
Book / Page	14381 / 11
Map Reference	MB 80 F O 61
Instrument Date	Dec 8, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	GETZ TITLE GROUP LLC

Transaction

Amount	Amount on Record
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	Living Trust
Address	132 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2551

Mortgage

Document Number	0001438116
Date	Jan 5, 2021
Instrument	14381/16

Lender

Name	CREDENCE FUNDING CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 132 Gracecroft Dr was $2,120, up 16.8% from the year before.

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	$2,120.00 (+16.8%)	$222,467	$238,500 Land $70,000 Building $168,500
2025	$1,815.00
2023		$181,800	$190,400 Land $56,000 Building $134,400
2022	$1,651.00

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

Flood

FEMA maps place 132 Gracecroft Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 132 Gracecroft Dr is low, with less than 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 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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