Harford County property record for 2098 Gemini Ct, Havre De Grace, MD 21078
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 4,355 sqft · built 2004 |
| Lot Size | 0.512 acres (22,302 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $656,000 (Nov 2022) |
| Tax Bill | $5,738 (2026) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Jun 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-100606 |
| Primary APN | 02-100606 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,355 sqft Total Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 22,302 sqft (0.512 acres) |
| Garage Type | Mixed |
| Garage Area | 704 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 270 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 100606 |
|---|---|
| Street Address | 2098 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 14 22302 SF 2098 GEMINI COURT GREENS ROCK GLENN 107/81 |
| Legal Subdivision | GREENS ROCK GLENN |
| Legal Lot Number | 14 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 306300 |
2098 Gemini Ct is owned and occupied by two individuals who bought it in November 2022.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2098 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| 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 |
|---|---|
| Nov 3, 2022 | Deed, Transfer · FmHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 8, 2018 | Deed of Trust, Mortgage · Line of Credit ABERDEEN PROVING GROUND FCU |
| Aug 26, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage TOWNEBANK MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2022 · Amount on File |
| Deed Sale | Nov 3, 2022 · Amount on File |
| Prior Sale | Jul 22, 2010 · Amount on File |
| Deed Book / Page | 15728 / 210 |
| Prior Transfer Date | Jul 17, 2020 |
| Prior Transfer Doc | 0140650417 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Nov 3, 2022 |
| Property Address | 2098 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Document Number | 0157280210 |
| Book / Page | 15728 / 210 |
| Map Reference | MB 107 FO 81 |
| Instrument Date | Nov 1, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Title Company | SAGE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,280.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2098 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Document Number | 0157280217 |
|---|---|
| Date | Nov 3, 2022 |
| Instrument | 15728-0217 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FmHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.1% |
| Index | 11th District COF |
| Max Rate | 10.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2098 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0128490325 |
|---|---|
| Date | Jun 8, 2018 |
| Book Page | 12849/0325 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 15, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 26, 2020 |
| Property Address | 2098 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Document Number | 0140650417 |
| Book / Page | 14065 / 417 |
| Map Reference | MB CGH107 FO 81 |
| Instrument Date | Jul 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | SAGE TITLE GROUP LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2098 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Document Number | 0014065422 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 14065/422 |
| Name | TOWNEBANK MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
The 2026 property tax bill for 2098 Gemini Ct was $5,738, up 13.3% 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 | $5,738.00 (+13.29%) | $602,000 (+6.24%) Land $113,200 Building $488,800 | $602,000 (-) Land $113,200 Building $488,800 |
| 2025 | $5,065.00 | $566,667 | $602,000 Land $113,200 Building $488,800 |
| 2023 | $496,000 Land $113,200 Building $382,800 | $496,000 Land $113,200 Building $382,800 | |
| 2022 | $4,599.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2098 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 2098 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 |
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