2705 Mercer Dr, Baldwin, MD 21013 Property Records

Harford County property record for 2705 Mercer Dr, Baldwin, MD 21013

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,312 sqft · built 1985
Lot Size	0.746 acres (32,505 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,900 (Jun 2009)
Tax Bill	$5,115 (2026)
Deeds & Mortgages	May 2023 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-031776`

Property Details

APN / Parcel Number

Primary APN	`04-031776`
Alternative APNs	`4031776` `031776`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,312 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	32,505 sqft (0.746 acres)
Lot Dimensions	197 ft deep x 181 ft wide
Garage Type	Attached
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Deck Area	721 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	031776
Street Address	2705 MERCER DR
City	BALDWIN
State	MD
Zip	21013-9515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LT 356 220/110X197 2705 MERCER DRIVE PLEASANT PROSPECT P34/92
Legal Subdivision	GLEN ELYN
Legal Lot Number	356
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	2
Census Block	2015
Census Tract	304201

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	2705 MERCER DR, BALDWIN, MD 21013-9515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIRECT MORTGAGE LOANS LLC
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2009 · Amount on Record
Deed Sale	Jun 17, 2009 · Amount on Record
Prior Sale	Aug 29, 1984 · Amount on Record
Deed Document Number	2009455
Deed Book / Page	8192 / 537
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2705 MERCER DR, BALDWIN, MD 21013-9515
Transaction Type	Mortgage
Record Updated	May 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 MERCER DR, BALDWIN, MD 21013-9515

Mortgage

Document Number	0158920410
Date	May 2, 2023
Book Page	15892/410

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Apr 27, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2705 MERCER DR, BALDWIN, MD 21013-9515
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138880253
Date	Jun 4, 2020
Book Page	13888/253

Lender

Name	DIRECT MORTGAGE LOANS LLC
Type	Mortgage Company
Address	HUNT VALLEY, MD 21031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2030

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2705 MERCER DR, BALDWIN, MD 21013-9515
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 MERCER DR, BALDWIN, MD 21013-9515

Mortgage

Document Number	0156940403
Date	Oct 5, 2022
Book Page	15694/403

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Sep 27, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,115.00 (+13.39%) Homeowner's exemption	$463,867 (+16.01%)	$491,600 (+20.37%) Land $127,500 Building $364,100
2025	$4,511.00 (+4.3%) Homeowner's exemption
2023		$399,867	$408,400 Land $127,500 Building $280,900
2022	$4,325.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

May also be available: BridgeMAXX Suncoast Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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