Baltimore County property record for 16 Windward Way, Middle River, MD 21220
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,684 sqft · built 1997 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Aug 2021) |
| Tax Bill | $5,011 (2024) |
| Deeds & Mortgages | Jan 2018 Mortgage Aug 2020 Mortgage + 2 more |
| APN | 15-2200015287 |
| Primary APN | 15-2200015287 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,684 sqft Living Area |
| Gross Area | 3,168 sqft |
| 1st Floor Area | 1,408 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Split Level |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 110 sqft |
| Deck Area | 144 sqft |
| Patio Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Account Number | 2200015287 |
|---|---|
| Street Address | 16 WINDWARD WAY |
| City | MIDDLE RIVER |
| State | MD |
| Zip | 21220-7507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .14 AC SENECA HARBOR |
| Legal Subdivision | SENECA HARBOR |
| Legal Block | B |
| Legal Lot Number | 8 |
| Jurisdiction | BALTIMORE MD |
| Township / Civil Division | 15 |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 451803 |
16 Windward Way is owned and occupied by two individuals who bought it in August 2021.
Source: Baltimore County records, as of July 14, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 WINDWARD WAY, MIDDLE RIVER, MD 21220-7507 |
| 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.
| Date | Document |
|---|---|
| Jan 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC |
| Aug 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| Aug 13, 2021 | Deed, Transfer · FHA Mortgage AMERIS BANK |
| Nov 4, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2021 · Amount on File |
| Deed Sale | Aug 13, 2021 · Amount on File |
| Prior Sale | Jul 17, 2013 · Amount on File |
| Deed Book / Page | 45307 / 7 |
| Prior Transfer Date | Oct 25, 2019 |
| Prior Transfer Doc | 0420780029 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 16 WINDWARD WAY, MIDDLE RIVER, MD 21220-7507 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0398580495 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | 0039858/495 |
| Name | UNIVERSAL MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | EDGEWATER, MD 21037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Property Address | 16 WINDWARD WAY, MIDDLE RIVER, MD 21220-7507 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0432740295 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 43274/295 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Recording Date | Aug 13, 2021 |
| Property Address | 16 WINDWARD WAY, MIDDLE RIVER, MD 21220-7507 |
| Document Number | 0453070007 |
| Book / Page | 45307 / 7 |
| Map Reference | MB SM64 FO 128 |
| Instrument Date | Jun 28, 2021 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMTS & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0004530713 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 45307/13 |
| Name | AMERIS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BALTIMORE MD |
| Recording Date | Nov 4, 2019 |
| Property Address | 16 WINDWARD WAY, MIDDLE RIVER, MD 21220-7507 |
| Document Number | 0420780029 |
| Book / Page | 42078 / 029 |
| Map Reference | MB SM 64 FO 128 |
| Instrument Date | Oct 25, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2022 |
| Title Company | OMNI LAND SETTLEMENT CORP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 16 WINDWARD WAY, BALTIMORE, MD 21220-7507 |
| Document Number | 0004207836 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 42078/36 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2049 |
Source: Baltimore County assessment roll, as of July 14, 2025
| Type | Name |
|---|---|
| State | Maryland |
| County | Baltimore County |
| Unified School District | Baltimore County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $370,067 | $411,500 Land $102,400 Building $309,100 | |
| 2024 | $5,011.00 (+120.94%) | ||
| 2023 | $2,268.00 | $287,200 Land $102,000 Building $185,200 | $287,200 Land $102,000 Building $185,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 16 Windward Way; there have been 31 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on File median of 34 policies |
| Nearby Flood Policies | 34 in force |
| Nearby Flood Claims | 31 (1979–2024) |
| Claims Outside the SFHA | 3 of 31 |
| Most Recent Claim | Jan 2024 · tidal / storm surge |
| Claims by Event |
|
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 risk around 16 Windward Way is low, with less than 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 97% of the US · lower than 94% of Maryland |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 206 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 |
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