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

Harford County property record for 223 Gracecroft Ct, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	2.5 ba · 1,356 sqft · built 2000
Lot Size	0.039 acres (1,700 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Oct 2022)
Tax Bill	$2,274 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-054889`

Property Details

APN / Parcel Number

Primary APN	`06-054889`
Alternative APNs	`6054889` `054889`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,356 sqft Total Area
Basement Area	505 sqft
Finished Basement	505 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,700 sqft (0.039 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	054889
Street Address	223 GRACECROFT CT
City	HAVRE DE GRACE
State	MD
Zip	21078-2542
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R2
Legal Description	LOT 46 1700 SF 223 GRACECROFT COURT GRACECROFT S1 PT 93/37
Legal Subdivision	VILLAGE GRACECROFT SEC 1
Legal Lot Number	46
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	3
Census Block	3009
Census Tract	306400

Owner

223 Gracecroft Ct, a townhouse, is owned and occupied by two individuals who bought it in October 2022.

Source: Harford County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	223 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2542
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK
Oct 12, 2022	Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
May 23, 2019	Deed, Transfer · FHA Mortgage GATEWAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on File
Deed Sale	Oct 12, 2022 · Amount on File
Prior Sale	May 23, 2019 · Amount on File
Deed Book / Page	15702 / 317
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	223 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2542
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0137580445
Date	Mar 25, 2020
Book Page	13758/445

Lender

Name	GATEWAY FIRST BANK
Type	Mortgage Company
Address	JENKS, OK 74037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 12, 2022
Property Address	223 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2542
Document Number	0157020317
Book / Page	15702 / 317
Map Reference	MB CGH 93 FO 37
Instrument Date	Oct 11, 2022
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$537.50
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	223 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2542

Mortgage

Document Number	0157020325
Date	Oct 12, 2022
Instrument	15702-0325

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	May 23, 2019
Property Address	223 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2542
Document Number	0132730358
Book / Page	13273 / 0358
Map Reference	MB CGH93 FO 37
Instrument Date	May 20, 2019
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	223 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2542

Mortgage

Document Number	0013273366
Date	May 23, 2019
Instrument	13273/366

Lender

Name	GATEWAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 223 Gracecroft Ct was $2,274, up 16.6% from the year before.

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	$2,274.00 (+16.62%)	$238,600	$255,600 Land $70,000 Building $185,600
2025	$1,950.00
2023		$195,900	$204,600 Land $56,000 Building $148,600
2022	$1,784.00

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

Flood

FEMA maps place 223 Gracecroft Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 223 Gracecroft Ct is low, with less than 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 97% of the US · lower than 94% 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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