151 Cooley Mill Rd, Havre De Grace, MD 21078 Property Records

Harford County property record for 151 Cooley Mill Rd, Havre De Grace, MD 21078

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,188 sqft · built 2012
Lot Size	3.47 acres (151,153 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Apr 2014)
Tax Bill	$7,740 (2026)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-112671`

Property Details

APN / Parcel Number

Primary APN	`02-112671`
Alternative APN	`112671`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,188 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	151,153 sqft (3.47 acres)
Garage Type	Mixed
Garage Area	1,695 sqft
Parking Spaces	6 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	112671
Street Address	151 COOLEY MILL RD
City	HAVRE DE GRACE
State	MD
Zip	21078-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 4 3.47 AC 151 COOLEY MILL ROAD SUSQUEHANNA MEAD 135/12
Legal Subdivision	SUSQUEHANNA MDWS 1
Legal Lot Number	4
Jurisdiction	HARFORD MD
Township / Civil Division	2, HALLS CROSS ROADS
Census Block Group	2
Census Block	2007
Census Tract	302100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lower Deer Creek Valley Historic District listed 1993 · 275 contributing resources · NRIS 93001143

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	151 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Aug 22, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 24, 2019	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2014 · Amount on File
Deed Sale	Apr 30, 2014 · Amount on File
Prior Sale	Aug 11, 2010
Deed Book / Page	10728 / 388
Last Transfer Date	Jun 26, 2019
Transfer Doc	0133600174
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	151 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1313
Transaction Type	Mortgage
Record Updated	Aug 11, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0154330295
Date	Mar 28, 2022
Book Page	15433/295

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	151 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1313
Document Number	0136520314
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 COOLEY MILL RD HAVRE DE GRACE MD 210781313, HAVRE DE GRACE, MD 21078-1313

Mortgage

Document Number	0136520314
Date	Jan 22, 2020
Book Page	013652/000314

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2050

Interest

Rate Type	Adjustable Rate

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 24, 2019
Property Address	151 COOLEY MILL RD, HAVRE DE GRACE, MD 21078-1313
Document Number	0133600174
Book / Page	013360 / 000174
Instrument Date	Jun 26, 2019
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	BOSTON NATIONAL TITLE, BOSTON NAT'L TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	151 COOLEY MILL RD HAVRE DE GRACE MD 210781313, HAVRE DE GRACE, MD 21078-1313

Mortgage

Document Number	133600180
Date	Jul 24, 2019
Book Page	013360/000180

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2049

Tax Assessment & Valuation

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	$7,740.00 (+21.77%) Homeowner's exemption	$704,700 (+7.11%) Land $127,300 Building $577,400	$704,700 (-) Land $127,300 Building $577,400
2025	$6,356.00 (+10.6%) Homeowner's exemption	$657,900 (+16.59%)	$704,700 (+24.88%) Land $127,300 Building $577,400
2023		$564,300 Land $127,300 Building $437,000	$564,300 Land $127,300 Building $437,000
2022	$5,747.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880

May also be available: Xfinity.

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