2861 Charles St, Fallston, MD 21047 Property Records

Harford County property record for 2861 Charles St, Fallston, MD 21047

Property Summary

Property Type	Rural Home
Details	3.5 ba · 4,395 sqft · built 2016
Lot Size	7.78 acres (338,897 sqft)
Owner	2 Individual Names on File
Last Sale	$860,000 (Sep 2022)
Tax Bill	$8,846 (2026)
Deeds & Mortgages	Jan 2024 Line of Credit Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-056507`

Property Details

APN / Parcel Number

Primary APN	`04-056507`
Alternative APNs	`4056507` `056507`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,395 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	338,897 sqft (7.78 acres)
Garage Type	Mixed
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	222 sqft
Deck Area	670 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	056507
Street Address	2861 CHARLES ST
City	FALLSTON
State	MD
Zip	21047-1341
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	LOT 3 7.78 AC 2861 CHARLES STREET LD RIST PT 138/78
Legal Subdivision	REVISED FINAL PLAT LANDS OF RIST
Legal Lot Number	3
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	3
Census Block	3008
Census Tract	304202

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 File
Mailing Address	2861 CHARLES ST, FALLSTON, MD 21047-1341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · Line of Credit BALTIMORE COUNTY EMPLOYEES FCU
Sep 19, 2022	Deed, Transfer · Conventional Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2022 · Amount on File
Deed Sale	Sep 19, 2022 · Amount on File
Prior Sale	Jun 25, 2015 · Amount on File
Deed Book / Page	15676 / 136
Transfer Doc	0000000385
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	2861 CHARLES ST, FALLSTON, MD 21047-1341
Transaction Type	Mortgage
Record Updated	Jan 18, 2024
Title Company	COMMUNITY TITLE NTWK, COMMUNITY TITLE NETWORK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2861 CHARLES ST, FALLSTON, MD 21047-1341

Mortgage

Document Number	0161420069
Date	Jan 8, 2024
Book Page	16142/69

Lender

Name	BALTIMORE COUNTY EMPLOYEES FCU
Type	Credit Union
Address	TOWSON, MD 21204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 31, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Sep 19, 2022
Property Address	2861 CHARLES ST, FALLSTON, MD 21047-1341
Document Number	0156760136
Book / Page	15676 / 136
Map Reference	LB JJR 138 FO 78
Instrument Date	Jun 20, 2022
Transaction Type	Transfer
Record Updated	Sep 27, 2022
Title Company	MICASA 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	2861 CHARLES ST, FALLSTON, MD 21047-1341

Mortgage

Document Number	0156760142
Date	Sep 19, 2022
Instrument	15676-0142

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2052

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	$8,846.00 (+12.7%) Homeowner's exemption	$806,167 (+6.01%)	$851,900 (-) Land $131,200 Building $720,700
2025	$7,849.00 (+8.55%) Homeowner's exemption	$760,433 (+10.79%)	$851,900 (+19.2%) Land $131,200 Building $720,700
2023		$686,367	$714,700 Land $131,200 Building $583,500
2022	$7,231.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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