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

Harford County property record for 232 Gracecroft Ct, Havre De Grace, MD 21078

Property Summary

Property Type	Townhouse
Details	3.5 ba · 1,340 sqft · built 2000
Lot Size	0.059 acres (2,550 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,500 (Feb 2020)
Tax Bill	$2,484 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-054854`

Property Details

APN / Parcel Number

Primary APN	`06-054854`
Alternative APNs	`6054854` `054854`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,340 sqft Total Area
Basement Area	480 sqft
Finished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	2,550 sqft (0.059 acres)
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	054854
Street Address	232 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 43 2550 SF 232 GRACECROFT COURT GRACECROFT S1 PT 93/37
Legal Subdivision	GRACECROFT
Legal Lot Number	43
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 August 25, 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	109 COVE POINT WAY, PERRYVILLE, MD 21903-2567
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 19, 2020	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2020 · Amount on Record
Deed Sale	Feb 19, 2020 · Amount on Record
Prior Sale	May 6, 2016 · Amount on Record
Deed Book / Page	13700 / 499
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	232 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2557
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0151360301
Date	Oct 27, 2021
Book Page	15136/301

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Feb 19, 2020
Property Address	232 GRACECROFT CT, HAVRE DE GRACE, MD 21078-2557
Document Number	0137000499
Book / Page	13700 / 0499
Map Reference	MB 93 FO 37
Instrument Date	Feb 13, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
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
Address	109 COVE POINT WAY, 109, PERRYVILLE, MD 21903-2567

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 COVE POINT WAY, PERRYVILLE, MD 21903-2567

Mortgage

Document Number	0013700504
Date	Feb 19, 2020
Instrument	13700/504

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$2,484.00 (+19.31%)	$260,600 (+23.72%)	$281,700 (+28.98%) Land $75,000 Building $206,700
2025	$2,082.00 (+7.71%)
2023		$210,633	$218,400 Land $56,500 Building $161,900
2022	$1,933.00

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 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

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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