1438 Heaps Rd, Whiteford, MD 21160 Property Records

Harford County property record for 1438 Heaps Rd, Whiteford, MD 21160

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,298 sqft · built 1994
Lot Size	4.99 acres (217,364 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Oct 2018)
Tax Bill	$4,724 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-049547`

Property Details

APN / Parcel Number

Primary APN	`05-049547`
Alternative APNs	`5049547` `049547`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,298 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	217,364 sqft (4.99 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	540 sqft
Patio Area	224 sqft
Shed	1 Shed
Shed Area	550 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	049547
Street Address	1438 HEAPS RD
City	WHITEFORD
State	MD
Zip	21160-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 9 4.99 AC 1438 HEAPS ROAD SPRINGHOUSE EST P 71/24
Legal Subdivision	SPRINGHOUSE ESTATES
Legal Lot Number	9
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	1
Census Block	1034
Census Tract	305100

Owner

1438 Heaps Rd is owned and occupied by two individuals who acquired it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406
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
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage CONTOUR MORTGAGE CORP
Oct 29, 2021	Deed of Trust, Mortgage · Line of Credit APG FCU
Aug 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ABERDEEN PROVING GROUND FCU
May 22, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP
Oct 31, 2018	Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on File
Deed Sale	Oct 31, 2018 · Amount on File
Prior Sale	Apr 25, 1990 · Amount on File
Deed Book / Page	13041 / 101
Last Transfer Date	May 7, 2020
Transfer Doc	0138690076
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	AMERICAS TITLE GROUP, AMERICAS TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0144550042
Date	Feb 3, 2021
Book Page	14455/42

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	GETZ TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406

Mortgage

Document Number	0151470036
Date	Oct 29, 2021
Book Page	15147/36

Lender

Name	APG FCU
Type	Credit Union
Address	ABERDEEN, MD 21001

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406
Transaction Type	Mortgage
Record Updated	Sep 26, 2023
Title Company	POWERHOUSE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0160190340
Date	Aug 31, 2023
Book Page	16019/340

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 18, 2043

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HARFORD MD
Recording Date	May 22, 2020
Property Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406
Document Number	0138690076
Book / Page	13869 / 76
Map Reference	MB CGH 71 FO 24
Instrument Date	May 7, 2020
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	AMERICAS TITLE CORP

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406

Mortgage

Document Number	0001386982
Date	May 22, 2020
Instrument	13869/82

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 31, 2018
Property Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406
Document Number	0130410101
Book / Page	13041 / 0101
Map Reference	MB CGH71 FO24
Instrument Date	Oct 19, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	GOLDSTAR TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1438 HEAPS RD, WHITEFORD, MD 21160-1406

Mortgage

Document Number	0013041106
Date	Oct 31, 2018
Instrument	13041/106

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1438 Heaps Rd was $4,724 with a homeowner's exemption, 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
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,724.00 (+16.76%) Homeowner's exemption	$428,000 (+7.84%)	$459,100 (-) Land $139,900 Building $319,200
2025	$4,046.00 Homeowner's exemption	$396,900	$459,100 Land $139,900 Building $319,200
2023		$352,933	$365,800 Land $129,900 Building $235,900
2022	$1,459.00

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

Flood

FEMA maps place 1438 Heaps Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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 1438 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: IQ Fiber.

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