1522 Cottage Ln, Towson, MD 21286 Property Records

Baltimore County property record for 1522 Cottage Ln, Towson, MD 21286

Property Summary

Property Type	Exempt (Full or Partial)
Details	2.5 ba · 1,980 sqft · built 1958
Lot Size	0.129 acres (5,600 sqft)
Owner	2 Individuals on Record
Last Sale	$245,628 (Sep 2022)
Tax Bill	$60 (2024)
Deeds & Mortgages	Sep 2022 Mortgage May 2020 Mortgage + 1 more
APN	`09-0907472760`

Property Details

APN / Parcel Number

Primary APN	`09-0907472760`
Alternative APNs	`90907472760` `0907472760`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,980 sqft Gross Area
1st Floor Area	720 sqft
Basement Area	540 sqft
Finished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Townhouse
Exterior Material	Brick
Construction Type	Brick
Lot Area	5,600 sqft (0.129 acres)
Lot Dimensions	111 ft deep x 45 ft wide
Porch	Open Porch
Porch Area	80 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0907472760
Street Address	1522 COTTAGE LN
City	TOWSON
State	MD
Zip	21286-8012
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Description	LOCH RAVEN MANOR
Legal Subdivision	LOCH RAVEN MANOR
Legal Block	C
Legal Lot Number	36
Jurisdiction	BALTIMORE MD
Township / Civil Division	9
Census Block Group	1
Census Block	1009
Census Tract	491202

Owner

Source: Baltimore County assessment roll, as of July 14, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	1522 COTTAGE LN, BALTIMORE, MD 21286-8012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Intrafamily Transfer, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
May 29, 2020	Deed of Trust, Mortgage NFM LNDG
Jul 9, 2019	Grant Deed, Transfer · Conventional with PMI NFM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on Record
Deed Sale	Sep 8, 2022 · Amount on Record
Prior Sale	Apr 5, 2016 · Amount on Record
Deed Book / Page	47327 / 240
Prior Transfer Date	Aug 18, 2022
Prior Transfer Doc	0473270240
Record Updated	Jun 8, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BALTIMORE MD
Recording Date	Sep 8, 2022
Property Address	1522 COTTAGE LN, BALTIMORE, MD 21286-8012
Document Number	0473270240
Book / Page	47327 / 240
Map Reference	MB 23 FO 139
Instrument Date	Aug 18, 2022
Transaction Type	Transfer
Record Updated	Sep 16, 2022
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1522 COTTAGE LN, TOWSON, MD 21286-8012

Mortgage

Document Number	0047327244
Date	Sep 8, 2022
Instrument	47327-244

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	1522 COTTAGE LN, BALTIMORE, MD 21286-8012
Document Number	0429680317
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	LAWYERS EXPRESS TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1522 COTTAGE LN BALTIMORE MD 212868012, BALTIMORE, MD 21286-8012

Mortgage

Document Number	0429680317
Date	Jun 12, 2020
Book Page	042968/000317

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	Jul 9, 2019
Property Address	1522 COTTAGE LN, BALTIMORE, MD 21286-8012
Document Number	0416220134
Book / Page	041622 / 000134
Instrument Date	Jun 4, 2019
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	LAWYERS EXPRESS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	1522 COTTAGE LN TOWSON MD 212868012, TOWSON, MD 21286-8012

Mortgage

Document Number	416220140
Date	Jul 9, 2019
Book Page	041622/000140

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2049

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$278,500 (+6.45%) Land $75,000 Building $203,500	$278,500 (-) Land $75,000 Building $203,500
2024	$60.00 (-96.89%)
2023	$1,929.00 Homeowner's exemption	$261,633	$278,500 Land $75,000 Building $203,500

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

FEMA Flood Zone	Not on file

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	Not rated no burnable land within ember reach

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 BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 545 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Believe Broadband Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband, T-Mobile.

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