2811 Orchard Lakes Dr, Baldwin, MD 21013 Property Records

Harford County property record for 2811 Orchard Lakes Dr, Baldwin, MD 21013

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,255 sqft · built 1957
Lot Size	0.605 acres (26,373 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Jul 2026)
Tax Bill	$4,382 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-017013`

Property Details

APN / Parcel Number

Primary APN	`04-017013`
Alternative APNs	`4017013` `017013`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,255 sqft Total Area
Basement Area	590 sqft
Finished Basement	590 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	26,373 sqft (0.605 acres)
Garage Type	Basement
Garage Area	868 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Deck Area	384 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	017013
Street Address	2811 ORCHARD LAKES DR
City	BALDWIN
State	MD
Zip	21013-9131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LT 0.604 AC 2811 ORCHARD LAKES DRIVE UPPER CROSSROADS
Legal Subdivision	UPPER CROSSROADS
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	5
Census Block	5003
Census Tract	304201

Owner

2811 Orchard Lakes Dr is owned and occupied by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2811 ORCHARD LAKES DR, BALDWIN, MD 21013-9131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 10, 2026	Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS
Apr 3, 2026	Deed of Trust, Mortgage · Line of Credit TRUST BANK
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on File
Deed Sale	Jul 10, 2026 · Amount on File
Prior Sale	Feb 21, 2007 · Amount on File
Deed Book / Page	17204 / 303
Transfer Doc	0000000149
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Jul 10, 2026
Property Address	2811 ORCHARD LAKES DR, BALDWIN, MD 21013-9131
Document Number	1720000303
Book / Page	17204 / 303
Instrument Date	Jun 30, 2026
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	SAGE TITLE LLC, SAGE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$691,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2811 ORCHARD LAKES DR, BALDWIN, MD 21013-9131
Investor	Possibly a Property Investor

Mortgage

Document Number	1720000311,
Date	Jul 10, 2026
Book Page	17204/311

Lender

Name	EMBRACE HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Recording Date	Apr 3, 2026
Property Address	2811 ORCHARD LAKES DR, BALDWIN, MD 21013-9131
Document Number	0170680089
Book / Page	17068 / 89
Instrument Date	Mar 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	DATA SEARCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2811 ORCHARD LAKES DR, BALDWIN, MD 21013-9131

Mortgage

Document Number	1706000089,
Date	Apr 3, 2026
Book Page	17068/89

Lender

Name	TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.01%
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2811 ORCHARD LAKES DR, BALDWIN, MD 21013-9131
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138630437
Date	May 20, 2020
Book Page	13863/437

Lender

Name	FULTON BANK NA
Type	Bank
Address	BAINBRIDGE, PA 17502

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 2811 Orchard Lakes Dr was $4,382, up 10.4% from the year before.

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	$4,382.00 (+10.41%)	$396,567 (+5.01%)	$415,500 (-) Land $116,400 Building $299,100
2025	$3,969.00	$377,633	$415,500 Land $116,400 Building $299,100
2023		$355,067	$358,700 Land $116,400 Building $242,300
2022	$3,890.00

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

Flood

FEMA maps place 2811 Orchard Lakes Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 2811 Orchard Lakes Dr is low, with 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 80% of the US · above 41% of Maryland
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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