Harford County property record for 2103 Gemini Ct, Havre De Grace, MD 21078
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,462 sqft · built 2003 |
| Lot Size | 0.494 acres (21,518 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $560,000 (Aug 2022) |
| Tax Bill | $5,032 (2026) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-100355 |
| Primary APN | 02-100355 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,462 sqft Total Area |
| Basement Area | 775 sqft |
| Finished Basement | 775 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 21,518 sqft (0.494 acres) |
| Garage Type | Built-in |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 168 sqft |
| Deck Area | 392 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 100355 |
|---|---|
| Street Address | 2103 GEMINI CT |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-2012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 6 21518 SF 2103 GEMINI COURT GREENS ROCK GLENN 107/79 |
| Legal Subdivision | GREENS ROCK GLENN |
| Legal Lot Number | 6 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 306300 |
2103 Gemini Ct is owned and occupied by two individuals who bought it in August 2022.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2103 GEMINI CT, HAVRE DE GRACE, MD 21078-2012 |
| 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 |
|---|---|
| Aug 12, 2022 | Deed, Transfer · Conventional Mortgage NFM INC |
| Jul 15, 2021 | Deed, Transfer · VA Mortgage NFM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2022 · Amount on File |
| Deed Sale | Aug 12, 2022 · Amount on File |
| Prior Sale | Jul 15, 2021 · Amount on File |
| Deed Book / Page | 15632 / 124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 12, 2022 |
| Property Address | 2103 GEMINI CT, HAVRE DE GRACE, MD 21078-2012 |
| Document Number | 0156320124 |
| Book / Page | 15632 / 124 |
| Map Reference | MB 107 PG 79 |
| Instrument Date | Jul 28, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Title Company | BLACK OAK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2103 GEMINI CT, HAVRE DE GRACE, MD 21078-2012 |
| Document Number | 0156320132 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 15632-0132 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jul 15, 2021 |
| Property Address | 2103 GEMINI CT, HAVRE DE GRACE, MD 21078-2012 |
| Document Number | 0148980107 |
| Book / Page | 14898 / 107 |
| Map Reference | MB 107 FO 79 |
| Instrument Date | Jul 1, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | BLACK OAK TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2103 GEMINI CT, HAVRE DE GRACE, MD 21078-2012 |
| Document Number | 0014898115 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 14898/115 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2026 property tax bill for 2103 Gemini Ct was $5,032 with a homeowner's exemption, up 16.8% 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 | $5,032.00 (+16.81%) Homeowner's exemption | $527,900 Land $113,100 Building $414,800 | $527,900 Land $113,100 Building $414,800 |
| 2025 | $4,308.00 Homeowner's exemption | ||
| 2023 | $414,000 Land $113,100 Building $300,900 | $414,000 Land $113,100 Building $300,900 | |
| 2022 | $3,845.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2103 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 2103 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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