1608 Watervale Rd, Fallston, MD 21047 Property Records

Harford County property record for 1608 Watervale Rd, Fallston, MD 21047

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,960 sqft · built 1980
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$685,000 (Sep 2023)
Tax Bill	$3,904 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-033597`

Property Details

APN / Parcel Number

Primary APN	`03-033597`
Alternative APNs	`3033597` `033597`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,960 sqft Total Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	033597
Street Address	1608 WATERVALE RD
City	FALLSTON
State	MD
Zip	21047-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 2 2.0016 AC 1608 WATERVALE ROAD LDS F V STERBAK P 42/96
Legal Subdivision	LD STERBAK F
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	3, BEL AIR
Census Block Group	2
Census Block	2001
Census Tract	303300

Owner

Source: Harford County records, as of August 18, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1608 WATERVALE RD, FALLSTON, MD 21047-1924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Deed, Transfer · Conventional Mortgage MERIDIAN BANK
Apr 20, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Record Updated	Sep 20, 2026

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 20, 2023
Property Address	1608 WATERVALE RD, FALLSTON, MD 21047-1924
Document Number	0160370405
Book / Page	16037 / 405
Map Reference	MB 42 FO 96
Instrument Date	Aug 24, 2023
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,712.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1608 WATERVALE RD, FALLSTON, MD 21047-1924

Mortgage

Document Number	0160370413
Date	Sep 20, 2023
Instrument	16037-0413

Lender

Name	MERIDIAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	1608 WATERVALE RD, FALLSTON, MD 21047-1924
Document Number	0123540274
Instrument Date	Apr 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 WATERVALE RD FALLSTON MD 210471924, FALLSTON, MD 21047-1924

Mortgage

Document Number	0123540274
Date	May 23, 2017
Book Page	012354/000274

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$466,133 (+38.11%)	$662,600 (+80.1%) Land $140,000 Building $522,600
2025	$3,904.00 (+9.29%) Homeowner's exemption
2023		$337,500	$367,900 Land $140,000 Building $227,900
2022	$3,572.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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