Harford County property record for 1640 Main St, Whiteford, MD 21160
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,200 sqft · built 1920 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (May 2025) |
| Tax Bill | $1,596 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-017610 |
| Primary APN | 05-017610 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,200 sqft Total Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Other |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Lot Dimensions | 100 ft deep x 34 ft wide |
| Porch | Slab |
| Porch Area | 186 sqft |
| Deck Area | Deck Area |
| Heating System | Baseboard |
|---|---|
| Sewer | Connected |
| Account Number | 017610 |
|---|---|
| Street Address | 1640 MAIN ST |
| City | WHITEFORD |
| State | MD |
| Zip | 21160-2005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Description | LOT 34X100 1640 MAIN STREET CARDIFF |
| Legal Subdivision | CARDIFF |
| Legal Lot Number | 1640 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 5, DUBLIN |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 305100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Whiteford-Cardiff Historic District listed 2005 · 140 contributing resources · NRIS 05001278 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1640 Main St is owned and occupied by an individual who bought it in May 2025.
Source: Harford County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1640 MAIN ST, WHITEFORD, MD 21160-2005 |
| 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 |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jun 8, 2023 | Deed, Transfer · Stand-Alone First Mortgage ANNA WEBER |
| May 9, 2022 | Deed, Transfer BLACK OAK TITLE LLC, BLACK OAK TITIE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2025 · Amount on File |
| Deed Sale | May 22, 2025 · Amount on File |
| Prior Sale | Nov 6, 2024 · Amount on File |
| Deed Book / Page | 16669 / 200 |
| Prior Transfer Date | Aug 26, 2008 |
| Prior Transfer Doc | 0079230382 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jul 24, 2026 |
| Property Address | 1640 MAIN ST, WHITEFORD, MD 21160-2005 |
| Document Number | 1722000385 |
| Book / Page | 17220 / 385 |
| Instrument Date | Jul 17, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | CERTIFIED TITLE |
| Name | Verified Name |
|---|---|
| Address | 1640 MAIN ST, WHITEFORD, MD 21160-2005 |
| Document Number | 1722000385, |
|---|---|
| Date | Jul 24, 2026 |
| Book Page | 17220/385 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 8, 2023 |
| Property Address | 1640 MAIN ST, WHITEFORD, MD 21160-2005 |
| Document Number | 0159320353 |
| Book / Page | 15932 / 353 |
| Instrument Date | May 31, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2023 |
| Title Company | BLACK OAK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $632.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2504 LYNNE LN, MILLERSVILLE, PA 17551-2231 |
| Document Number | 0159320358 |
|---|---|
| Date | Jun 8, 2023 |
| Instrument | 15932-0358 |
| Name | ANNA WEBER |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 31, 2024 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 9, 2022 |
| Property Address | 1640 MAIN ST, WHITEFORD, MD 21160-2005 |
| Document Number | 0155020288 |
| Book / Page | 15502 / 288 |
| Instrument Date | Apr 29, 2022 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2022 |
| Title Company | BLACK OAK TITLE LLC, BLACK OAK TITIE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 1640 Main St was $1,596, up 8.7% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,596.00 (+8.72%) | $146,500 (+4.2%) | $152,400 (-) Land $67,000 Building $85,400 |
| 2025 | $1,468.00 | $140,600 | $152,400 Land $67,000 Building $85,400 |
| 2023 | $132,167 | $134,700 Land $67,000 Building $67,700 | |
| 2022 | $1,412.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1640 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 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 risk around 1640 Main St 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.
Source: FCC Broadband Data Collection, based on 124 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 |
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