216 Gracecroft Ct, Havre De Grace, MD 21078 Property Records

Harford County property record for 216 Gracecroft Ct, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,372 sqft · built 1999
Lot Size	0.038 acres (1,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$294,900 (Oct 2026)
Tax Bill	$2,159 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-054757`

Property Details

APN / Parcel Number

Primary APN	`06-054757`
Alternative APNs	`6054757` `054757`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,372 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,650 sqft (0.038 acres)
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	054757
Street Address	216 GRACECROFT CT
City	HAVRE DE GRACE
State	MD
Zip	21078-2557
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 35 1650 SF 216 GRACECROFT COURT GRACECROFT S1 PT 93/37
Legal Subdivision	VILLAGE GRACECROFT SEC I
Legal Lot Number	35
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	3
Census Block	3009
Census Tract	306400

Owner

Source: Harford County records, as of October 12, 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	216 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Dec 5, 2022	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2026 · Amount on Record
Deed Sale	Oct 2, 2026 · Amount on Record
Prior Sale	Dec 5, 2022 · Amount on Record
Deed Book / Page	17313 / 125
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 2, 2026
Property Address	216 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2557
Document Number	1731000125
Book / Page	17313 / 125
Instrument Date	Sep 24, 2026
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297,849.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	216 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2557

Mortgage

Document Number	1731000132,
Date	Oct 2, 2026
Book Page	17313/132

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Dec 5, 2022
Property Address	216 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2557
Document Number	0157580485
Book / Page	15758 / 485
Map Reference	MB CGH 93 FO 37
Instrument Date	Oct 31, 2022
Transaction Type	Transfer
Record Updated	Aug 14, 2023
Title Company	BLACK OAK TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$647.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	216 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2557

Mortgage

Document Number	0157580492
Date	Dec 5, 2022
Instrument	15758-0492

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2052

Mortgage

Document Number	0157580517
Date	Dec 5, 2022
Book Page	15758/517

Lender

Name	MARYLAND DEPT OF HOUSING & COMMUNITY DEV
Type	Government Agency
Address	LANHAM, MD 20706

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Municipality	Havre De Grace City
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,159.00 (+17.02%)	$226,533 (+7.84%)	$243,000 (-) Land $70,000 Building $173,000
2025	$1,845.00 (+7.33%)	$210,067 (+12.34%)	$243,000 (+25.52%) Land $70,000 Building $173,000
2023		$187,000 (+3.66%)	$193,600 (-) Land $56,000 Building $137,600
2022	$1,719.00 (-1.38%)	$180,400	$193,600 Land $56,000 Building $137,600
2021	$1,743.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (2013–2025)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Jul 2025 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 85% of Maryland
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HAVRE DE GRACE serves 14,000 people · EPA ID MD0120012
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2016
Treatment and Procedure	Organic carbon removal Oct 2023
Monitoring and Reporting	16 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
IQ Fiber Fiber	1,000 / 1,000

May also be available: Verizon.

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