3 Ketch Cay Ct, Baltimore (Middle River), MD 21220 Property Records

Baltimore County property record for 3 Ketch Cay Ct, Baltimore, MD 21220

Property Summary

Property Type	Townhouse
Details	3 ba · 1,702 sqft · built 1995
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$203,000 (Apr 2017)
Tax Bill	$3,573 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2025 Mortgage + 3 more
APN	`15-2200015272`

Property Details

APN / Parcel Number

Primary APN	`15-2200015272`
Alternative APN	`2200015272`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	1,702 sqft Living Area
1st Floor Area	652 sqft
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.04 acres)
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	2200015272
Street Address	3 KETCH CAY CT
City	MIDDLE RIVER
State	MD
Zip	21220-7513
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	.04 AC SENECA HARBOR
Legal Subdivision	SENECA HARBOR
Legal Block	A
Legal Lot Number	80
Jurisdiction	BALTIMORE MD
Township / Civil Division	15
Census Block Group	2
Census Block	2011
Census Tract	451803

Owner

3 Ketch Cay Ct, a townhouse, is owned and occupied by two individuals who bought it in April 2017.

Source: Baltimore County records, as of July 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 KETCH CAY CT, MIDDLE RIVER, MD 21220-7513
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
Jun 23, 2026	Deed of Trust, Mortgage · FHA Mortgage E HOME LOANS
Dec 29, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Apr 24, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU OF MARYLAND INC
Aug 4, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 12, 2017	Deed, Transfer · FHA Mortgage E MORTGAGE MANAGEMENT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2017 · Amount on File
Deed Sale	Apr 12, 2017 · Amount on File
Prior Sale	Jun 27, 2006 · Amount on File
Deed Book / Page	38833 / 100
Transfer Doc	0000224786
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Recording Date	Jun 23, 2026
Property Address	3 KETCH CAY CT, MIDDLE RIVER, MD 21220-7513
Document Number	5144000177
Book / Page	51449 / 177
Instrument Date	Jun 4, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 KETCH CAY CT, MIDDLE RIVER, MD 21220-7513

Mortgage

Document Number	5144000177,
Date	Jun 23, 2026
Book Page	51449/177

Lender

Name	E HOME LOANS

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	3 KETCH CAY CT, BALTIMORE, MD 21220-7513
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 KETCH CAY CT, BALTIMORE, MD 21220-7513

Mortgage

Document Number	0508490326
Date	Dec 29, 2025
Book Page	50849/326

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	3 KETCH CAY CT, BALTIMORE, MD 21220-7513
Transaction Type	Mortgage
Record Updated	May 4, 2023
Title Company	SECU TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0479830347
Date	Apr 24, 2023
Book Page	47983/347

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	3 KETCH CAY CT, BALTIMORE, MD 21220-7513
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0452380139
Date	Aug 4, 2021
Book Page	45238/139

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	275 Months
Due	Jul 1, 2044

Interest

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Apr 12, 2017
Property Address	3 KETCH CAY CT, BALTIMORE, MD 21220-7513
Document Number	0388330100
Book / Page	0038833 / 100
Map Reference	LB24080 FO548
Instrument Date	Mar 24, 2017
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LAWYERS TRUST TITLE CO

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 KETCH CAY CT, MIDDLE RIVER, MD 21220-7513

Mortgage

Document Number	0038833107
Date	Apr 12, 2017
Instrument	0038833/107

Lender

Name	E MORTGAGE MANAGEMENT LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 14, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$238,000	$252,600 Land $70,000 Building $182,600
2024	$3,573.00 (+108.34%)
2023	$1,715.00 Homeowner's exemption	$208,800 Land $70,000 Building $138,800	$208,800 Land $70,000 Building $138,800

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

Flood

FEMA has no flood map on file for 3 Ketch Cay Ct; there have been 31 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 34 policies
Nearby Flood Policies	34 in force
Nearby Flood Claims	31 (1979–2024)
Claims Outside the SFHA	3 of 31
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Hurricane Isabel, Sep 2003 · 20 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

The area around 3 Ketch Cay Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
Believe Broadband Fixed Wireless	500 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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