232 Canvasback Dr, Havre De Grace, MD 21078 Property Records

Harford County property record for 232 Canvasback Dr, Havre De Grace, MD 21078

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,620 sqft · built 1993
Lot Size	0.293 acres (12,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,000 (May 2017)
Tax Bill	$2,740 (2026)
Deeds & Mortgages	Aug 2022 Reverse Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-047491`

Property Details

APN / Parcel Number

Primary APN	`06-047491`
Alternative APNs	`6047491` `047491`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,620 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	12,750 sqft (0.293 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	424 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	047491
Street Address	232 CANVASBACK DR
City	HAVRE DE GRACE
State	MD
Zip	21078-4208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 371 12750 SF 232 CANVASBACK DRIVE GRACE HARBOUR P5 P 73/44
Legal Subdivision	GRACE HARBOUR
Legal Lot Number	371
Jurisdiction	HARFORD MD
Township / Civil Division	6, HAVRE DE GRACE
Census Block Group	6
Census Block	6011
Census Tract	306400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	232 CANVASBACK DR, HAVRE DE GRACE, MD 21078-4208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GOURP
May 3, 2017	Special Warranty Deed, Transfer · Conventional Mortgage 1ST PREFERENCE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2017 · Amount on Record
Deed Sale	May 3, 2017 · Amount on Record
Prior Sale	Apr 27, 2016 · Amount on Record
Deed Document Number	201712328-0072
Deed Book / Page	12328 / 72
Prior Transfer Date	Jul 11, 2016
Prior Transfer Doc	0119730102
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	232 CANVASBACK DR, HAVRE DE GRACE, MD 21078-4208
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	FC TITLE, FNC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 CANVASBACK DR, HAVRE DE GRACE, MD 21078-4208

Mortgage

Document Number	0156170369
Date	Aug 3, 2022
Book Page	15617/369

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.42%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.4%

May 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HARFORD MD
Recording Date	May 3, 2017
Property Address	232 CANVASBACK DR, HAVRE DE GRACE, MD 21078-4208
Document Number	0123280072
Book / Page	12328 / 0072
Map Reference	MB73 PG44
Instrument Date	Apr 28, 2017
Instrument	12328-0072
Transaction Type	Transfer
Record Updated	Aug 3, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	707 YORK RD APT 6323, 6323, TOWSON, MD 21204-2920

Mortgage

Document Number	123280076
Date	May 3, 2017
Instrument	12328-0076

Lender

Name	1ST PREFERENCE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2032

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	$2,740.00 (+12.34%) Homeowner's exemption	$287,500 (+16.63%)	$303,300 (+18.52%) Land $94,200 Building $209,100
2025	$2,439.00 (+7.92%) Homeowner's exemption
2023		$246,500	$255,900 Land $90,500 Building $165,400
2022	$2,260.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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 97% of the US · lower than 94% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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