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

Harford County property record for 138 Gracecroft Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,512 sqft · built 1998
Lot Size	0.039 acres (1,703 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Dec 2023)
Tax Bill	$2,593 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-054595`

Property Details

APN / Parcel Number

Primary APN	`06-054595`
Alternative APNs	`6054595` `054595`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,512 sqft Total Area
Basement Area	600 sqft
Finished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,703 sqft (0.039 acres)
Deck Area	242 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	054595
Street Address	138 GRACECROFT DR
City	HAVRE DE GRACE
State	MD
Zip	21078-2552
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 20 1703.99 SF 138 GRACECROFT DRIVE GRACECROFT S1 PT 80/61
Legal Subdivision	GRACECROFT
Legal Lot Number	20
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	2 Individual Names on Record
Mailing Address	138 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2023	Deed, Transfer · FHA Mortgage CITY LENDING INC
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2023 · Amount on Record
Deed Sale	Dec 19, 2023 · Amount on Record
Prior Sale	Aug 19, 2011 · Amount on Record
Deed Book / Page	16125 / 241
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 19, 2023
Property Address	138 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2552
Document Number	0161250241
Book / Page	16125 / 241
Map Reference	MB CGH 80 FO 61
Instrument Date	Nov 20, 2023
Transaction Type	Transfer
Record Updated	Dec 27, 2023
Title Company	KTL TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	138 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2552

Mortgage

Document Number	0161250248
Date	Dec 19, 2023
Instrument	16125-0248

Lender

Name	CITY LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Mortgage

Document Number	0161250267
Date	Dec 19, 2023
Book Page	16125/267

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	138 GRACECROFT DR, HAVRE DE GRACE, MD 21078-2552
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0134660176
Date	Sep 27, 2019
Book Page	13466/0176

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	$2,593.00 (+23.77%)	$272,067 (+28.35%)	$298,200 (+35.67%) Land $70,000 Building $228,200
2025	$2,095.00 (+7.66%)
2023		$211,967	$219,800 Land $56,000 Building $163,800
2022	$1,946.00

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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