Harford County property record for 2099 Gemini Ct, Havre De Grace, MD 21078
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,182 sqft · built 2003 |
| Lot Size | 0.496 acres (21,605 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $346,658 (May 2003) |
| Tax Bill | $4,576 (2026) |
| Deeds & Mortgages | Feb 2020 Mortgage Nov 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-100401 |
| Primary APN | 02-100401 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,182 sqft Total Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 21,605 sqft (0.496 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 100401 |
|---|---|
| Street Address | 2099 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 45 21605 SF 2099 GEMINI COURT GREENS ROCK GLENN 107/79 |
| Legal Subdivision | GREENS ROCK GLENN 02 |
| Legal Lot Number | 45 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 306300 |
2099 Gemini Ct is owned and occupied by two individuals who acquired it in October 2020.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2099 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
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 |
|---|---|
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAY VALLEY MORTGAGE GROUP |
| Nov 30, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jul 26, 2017 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2003 · Amount on File |
| Deed Sale | May 19, 2003 · Amount on File |
| Prior Sale | Jan 21, 2003 · Amount on File |
| Deed Document Number | 2003359 |
| Deed Book / Page | 4595 / 465 |
| Last Transfer Date | Oct 27, 2020 |
| Transfer Doc | 0142930057 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2099 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|
| Document Number | 0137050063 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 13705/0063 |
| Name | BAY VALLEY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Address | GARDEN GROVE, CA 92841 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jan 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Nov 30, 2020 |
| Property Address | 2099 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Document Number | 0142930057 |
| Book / Page | 014293 / 000057 |
| Instrument Date | Oct 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 2099 GEMINI CT HAVRE DE GRACE MD 210782011, HAVRE DE GRACE, MD 21078-2011 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 2099 GEMINI CT, HAVRE DE GRACE, MD 21078-2011 |
| Document Number | 0124500212 |
| Book / Page | 012450 / 000212 |
| Instrument Date | Jul 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2099 GEMINI CT HAVRE DE GRACE MD 210782011, HAVRE DE GRACE, MD 21078-2011 |
| Document Number | 0124500212 |
|---|---|
| Date | Aug 2, 2017 |
| Book Page | 012450/000212 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
The 2026 property tax bill for 2099 Gemini Ct was $4,576 with a homeowner's exemption, up 37.4% 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 | $4,576.00 (+37.38%) Homeowner's exemption | $480,100 (+5.62%) Land $113,100 Building $367,000 | $480,100 (-) Land $113,100 Building $367,000 |
| 2025 | $3,331.00 Homeowner's exemption | $454,533 | $480,100 Land $113,100 Building $367,000 |
| 2023 | $403,400 Land $113,100 Building $290,300 | $403,400 Land $113,100 Building $290,300 | |
| 2022 | $3,748.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2099 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 2099 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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