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20 Cunning Ct, Baltimore (Middle River), MD 21220 Property Records

Baltimore County property record for 20 Cunning Ct, Baltimore, MD 21220

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,782 sqft · built 1986
Lot Size0.176 acres (7,685 sqft)
Owner2 Individual Names on Record
Last Sale$88,200 (Sep 1986)
Tax Bill$4,110 (2024)
Deeds & MortgagesSep 2026 Line of Credit
Apr 2020 Mortgage
APN15-1800010305

Property Details

APN / Parcel Number

Primary APN15-1800010305
Alternative APN
  • 1800010305

Interior

Full Baths1 Bath
Stories2 Stories
Building Area1,782 sqft Living Area
1st Floor Area1,036 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleSplit Level
Exterior MaterialSiding Sheathing
Roof MaterialComposition Shingle
Lot Area7,685 sqft (0.176 acres)
Lot Dimensions135 ft deep x 38.1 ft wide
Deck Area216 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number1800010305
Street Address20 CUNNING CT
CityMIDDLE RIVER
StateMD
Zip21220-1264
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeDR55
Legal Description7685 SQ FT .1764 AC CUNNINGHILL COVE
Legal SubdivisionCUNNINGHILL COVE
Legal BlockG
Legal Lot Number115
JurisdictionBALTIMORE MD
Township / Civil Division15
Census Block Group3
Census Block3004
Census Tract451801

Owner

Source: Baltimore County records, as of October 8, 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 Record2 Individual Names on Record
Mailing Address20 CUNNING CT, MIDDLE RIVER, MD 21220-1264
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 3, 2026Deed of Trust, Mortgage · Line of Credit
FEDERAL FINANCIAL FEDERAL CREDIT UNION
Apr 13, 2020Deed of Trust, Mortgage · FHA Mortgage
E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 23, 1986 · Amount on Record
Deed SaleSep 23, 1986 · Amount on Record
Deed Book / Page7321 / 33
Record UpdatedOct 29, 2026

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBALTIMORE MD
Recording DateSep 3, 2026
Property Address20 CUNNING CT, MIDDLE RIVER, MD 21220-1264
Document Number5170000063
Book / Page51702 / 63
Instrument DateAug 20, 2026
Transaction TypeMortgage
Record UpdatedOct 8, 2026
Title CompanyACCURATE GROUP

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSole Owner, 167
Address20 CUNNING CT, MIDDLE RIVER, MD 21220-1264

Mortgage

Document Number5170000063,
DateSep 3, 2026
Book Page51702/63
Lender
NameFEDERAL FINANCIAL FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueAug 31, 2046
Interest
Rate TypeAdjustable Rate
Rate2.49%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBALTIMORE MD
Property Address20 CUNNING CT, BALTIMORE, MD 21220-1264
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySUMMIT TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0426960399
DateApr 13, 2020
Book Page42696/399
Lender
NameE MORTGAGE MANAGEMENT LLC
TypeMortgage Company
AddressCHERRY HILL, NJ 08002
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMaryland
CountyBaltimore County
Unified School DistrictBaltimore County Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$292,467 (+15.14%)$311,700 (+22.72%) Land $88,200 Building $223,500
2024$4,110.00 (+97.6%)
2023$2,080.00$254,000 Land $85,600 Building $168,400$254,000 Land $85,600 Building $168,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneNot on file
Nearby Flood Policies5 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 RiskLow
lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemCITY OF BALTIMORE
serves 1,600,000 people · EPA ID MD0300002
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityTotal trihalomethanes
not recorded as resolved · Apr 2026
E. coli
resolved · Sep 2022
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 226 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
T-Mobile
Fixed Wireless		100 / 20

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