Harford County property record for 2048 Chapel Rd, Havre De Grace, MD 21078
| Property Type | Rural Home |
|---|---|
| Details | 2.5 ba · 2,036 sqft · built 2017 |
| Lot Size | 13 acres (567,587 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $500,000 (Aug 2007) |
| Tax Bill | $5,507 (2026) |
| Deeds & Mortgages | Oct 2017 Mortgage Aug 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-093146 |
| Primary APN | 02-093146 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,036 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 567,587 sqft (13 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 128 sqft |
| Patio Area | 352 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 093146 |
|---|---|
| Street Address | 2048 CHAPEL RD |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-1814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG |
| Legal Description | LOT 3A 13.0377 AC 2048 CHAPEL ROAD SKYVIEW ESTATES PT 78/36 |
| Legal Subdivision | CHAPEL ROAD SKYVIEW ESTATES |
| Legal Lot Number | 3A |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 2, HALLS CROSS ROADS |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 302801 |
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2048 CHAPEL RD, HAVRE DE GRACE, MD 21078-1814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HOWARD BANK |
| Aug 3, 2020 | Deed of Trust, Mortgage · Line of Credit HOWARD BANK |
| Jul 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 21, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2007 · Amount on Record |
| Deed Sale | Aug 22, 2007 · Amount on Record |
| Prior Sale | Jan 5, 2005 · Amount on Record |
| Deed Document Number | 200718 |
| Deed Book / Page | 7496 / 455 |
| Last Transfer Date | May 3, 2018 |
| Transfer Doc | 0128720135 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2048 CHAPEL RD, HAVRE DE GRACE, MD 21078-1814 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0125390358 |
|---|---|
| Date | Oct 4, 2017 |
| Book Page | 12539/0358 |
| Instrument | 12539-0358 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Address | ELLICOTT CITY, MD 21043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2048 CHAPEL RD, HAVRE DE GRACE, MD 21078-1814 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0140120216 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 14012/216 |
| Name | HOWARD BANK |
|---|---|
| Type | Bank |
| Address | BALTIMORE, MD 21224 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2048 CHAPEL RD, HAVRE DE GRACE, MD 21078-1814 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | 0148850362 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 14885/362 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 21, 2018 |
| Property Address | 2048 CHAPEL RD, HAVRE DE GRACE, MD 21078-1814 |
| Document Number | 0128720135 |
| Book / Page | 012872 / 000135 |
| Instrument Date | May 3, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2048 CHAPEL RD HAVRE DE GRACE MD 210781814, HAVRE DE GRACE, MD 21078-1814 |
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 | $5,507.00 (+14.23%) | $499,800 (+6.72%) Land $102,200 Building $397,600 | $499,800 (-) Land $102,200 Building $397,600 |
| 2025 | $4,821.00 (+10.85%) | $468,333 (+15.52%) | $499,800 (+23.29%) Land $102,200 Building $397,600 |
| 2023 | $405,400 Land $102,200 Building $303,200 | $405,400 Land $102,200 Building $303,200 | |
| 2022 | $4,349.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 5 (1998–2000) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Dec 2000 · rainfall accumulation |
| 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.
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.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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