3 Kennard Ave, Edgewood, MD 21040 Property Records

Harford County property record for 3 Kennard Ave, Edgewood, MD 21040

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,054 sqft · built 1940
Lot Size	0.375 acres (16,350 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (May 2017)
Tax Bill	$4,290 (2026)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-041797`

Property Details

APN / Parcel Number

Primary APN	`01-041797`
Alternative APNs	`1041797` `041797`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,054 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	16,350 sqft (0.375 acres)
Lot Dimensions	218 ft deep x 75 ft wide
View / Lot	Waterfront

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	234 sqft
Deck Area	120 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Sewer	Connected

Location & Zoning

Account Number	041797
Street Address	3 KENNARD AVE
City	EDGEWOOD
State	MD
Zip	21040-3707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 1 75X218 3 KENNARD AVENUE WILLBY BEACH P 203/180
Legal Subdivision	WILLOUGHBY BEACH
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2001
Census Tract	301602

Owner

3 Kennard Ave is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 KENNARD AVE, EDGEWOOD, MD 21040-3707
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2017 · Amount on File
Deed Sale	May 22, 2017 · Amount on File
Prior Sale	Sep 29, 1981 · Amount on File
Deed Document Number	201712353-0215
Deed Book / Page	12353 / 215
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3 KENNARD AVE, EDGEWOOD, MD 21040-3707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0124860092
Date	Aug 25, 2017
Book Page	12486/0092
Instrument	12486-0092

Lender

Name	FIRST FINANCIAL FCU OF MARYLAND
Type	Credit Union
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 3 Kennard Ave was $4,290 with a homeowner's exemption, up 10.8% 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	$4,290.00 (+10.8%) Homeowner's exemption	$393,700 Land $168,900 Building $224,800	$393,700 Land $168,900 Building $224,800
2025	$3,872.00 Homeowner's exemption
2023		$338,200 Land $168,900 Building $169,300	$338,200 Land $168,900 Building $169,300
2022	$3,618.00

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

Flood

FEMA maps place 3 Kennard Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (2003–2017)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Aug 2017 · river or lake flooding
Claims by Event	Hurricane Isabel, Sep 2003 · 4 claims

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 3 Kennard Ave 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20