1401 Heaps Rd, Whiteford, MD 21160 Property Records

Harford County property record for 1401 Heaps Rd, Whiteford, MD 21160

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,344 sqft · built 1920
Lot Size	2.62 acres (114,127 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Jun 1997)
Tax Bill	$3,017 (2026)
Deeds & Mortgages	Jan 2024 Second Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-049113`

Property Details

APN / Parcel Number

Primary APN	`05-049113`
Alternative APNs	`5049113` `049113`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,344 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Siding
Lot Area	114,127 sqft (2.62 acres)
Garage Type	Detached
Garage Area	576 sqft
Deck Area	88 sqft
Shed	1 Shed
Shed Area	1,012 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	049113
Street Address	1401 HEAPS RD
City	WHITEFORD
State	MD
Zip	21160-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LT 1 2.62 AC 1401 HEAPS ROAD SPRINGHOUSE EST P 59/60
Legal Subdivision	SPRINGHOUSE ESTATES 64 5
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	3
Census Block	3000
Census Tract	305100

Owner

1401 Heaps Rd is owned and occupied by two individuals who acquired it in October 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	1401 HEAPS RD, WHITEFORD, MD 21160-1405
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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 24, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ABERDEEN PROVING GROUND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 1997 · Amount on File
Deed Sale	Jun 26, 1997 · Amount on File
Prior Sale	Mar 9, 1988 · Amount on File
Deed Document Number	1997411
Deed Book / Page	2536 / 659
Last Transfer Date	Oct 10, 2006
Transfer Doc	0070490053
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1401 HEAPS RD, WHITEFORD, MD 21160-1405
Transaction Type	Mortgage
Record Updated	Feb 2, 2024
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0161560125
Date	Jan 24, 2024
Book Page	16156/125

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 26, 2029

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1401 HEAPS RD, WHITEFORD, MD 21160-1405
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	GETZ TITLE AGROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141280389
Date	Sep 22, 2020
Book Page	14128/389

Lender

Name	ABERDEEN PROVING GROUND FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 1401 Heaps Rd was $3,017 with a homeowner's exemption, up 13.3% from the year before.

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,017.00 (+13.34%) Homeowner's exemption	$271,333 (+6.38%)	$287,600 (-) Land $128,100 Building $159,500
2025	$2,662.00 Homeowner's exemption	$255,067	$287,600 Land $128,100 Building $159,500
2023		$233,367	$238,800 Land $118,100 Building $120,700
2022	$2,544.00

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

Flood

FEMA maps place 1401 Heaps Rd 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	4 in force
Nearby Flood Claims	3 (1984–2006)
Most Recent Claim	Jun 2006 · 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 1401 Heaps 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Armstrong.

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