Harford County property record for 2096 Gemini Ct, Havre De Grace, MD 21078
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,308 sqft · built 2004 |
| Lot Size | 0.413 acres (17,990 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $467,500 (Feb 2020) |
| Tax Bill | $5,239 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-100614 |
| Primary APN | 02-100614 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,308 sqft Total Area |
| Basement Area | 1,140 sqft |
| Finished Basement | 1,140 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 17,990 sqft (0.413 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 480 sqft |
| Patio Area | 270 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 100614 |
|---|---|
| Street Address | 2096 GEMINI CT |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-2011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 15 17990 SF 2096 GEMINI COURT GREENS ROCK GLENN 107/81 |
| Legal Subdivision | FINAL PLAT FOUR GREENS AT ROCK GLENN |
| Legal Lot Number | 15 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 306300 |
2096 Gemini Ct is owned and occupied by two individuals who bought it in February 2020.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2096 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
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 |
|---|---|
| May 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 30, 2020 | Deed of Trust, Mortgage · Conventional with PMI RESIDENTIAL MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2020 · Amount on File |
| Deed Sale | Feb 7, 2020 · Amount on File |
| Prior Sale | May 7, 2004 · Amount on File |
| Deed Book / Page | 13680 / 446 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2096 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0147230373 |
|---|---|
| Date | May 4, 2021 |
| Book Page | 14723/373 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2096 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Instrument Date | Jan 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Title Company | KIRSH TITLE SERVICES, KIRSH TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2096 GEMINI CT HAVRE DE GRACE MD 210782011, HAVRE DE GRACE, MD 21078-2011 |
| Document Number | 136800451 |
|---|---|
| Date | Feb 7, 2020 |
| Book Page | 013680/000451 |
| Name | RESIDENTIAL MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | SOUTH PORTLAND, ME 04106 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 6, 2050 |
The 2026 property tax bill for 2096 Gemini Ct was $5,239 with a homeowner's exemption, up 16.3% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| Municipality | Aberdeen City |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,239.00 (+16.34%) Homeowner's exemption | $549,600 Land $112,700 Building $436,900 | $549,600 Land $112,700 Building $436,900 |
| 2025 | $4,503.00 Homeowner's exemption | ||
| 2023 | $458,200 Land $112,700 Building $345,500 | $458,200 Land $112,700 Building $345,500 | |
| 2022 | $4,075.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2096 Gemini Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
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 | 7 in force |
| Nearby Flood Claims | 2 (2011–2022) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2022 · river or lake flooding |
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 2096 Gemini Ct 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF ABERDEEN serves 18,006 people · EPA ID MD0120001 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 184 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures