Harford County property record for 3003 Ebbtide Dr, Edgewood, MD 21040
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,680 sqft · built 1979 |
| Lot Size | 0.119 acres (5,175 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Mar 2024) |
| Tax Bill | $2,541 (2026) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Jul 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-075942 |
| Primary APN | 01-075942 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,175 sqft (0.119 acres) |
| Lot Dimensions | 115 ft deep x 45 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 075942 |
|---|---|
| Street Address | 3003 EBBTIDE DR |
| City | EDGEWOOD |
| State | MD |
| Zip | 21040-2901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LT 210 45X115 .12 AC 3003 EBBTIDE DRIVE HARBOUR OAKS PT 36/55 |
| Legal Subdivision | HARBOUR OAKS |
| Legal Lot Number | 210 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 301602 |
3003 Ebbtide Dr is owned and occupied by two individuals who bought it in March 2024.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| 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.
| Date | Document |
|---|---|
| Mar 21, 2024 | Deed, Transfer · Conventional Mortgage ABERDEEN PROVING GROUND FCU |
| Jul 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 18, 2023 | Deed of Trust, Mortgage · FHA Mortgage EMORTGAGE FUNDING LLC |
| Oct 3, 2018 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 28, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage EMORTGAGE FUNDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 21, 2024 · Amount on File |
| Deed Sale | Mar 21, 2024 · Amount on File |
| Prior Sale | Oct 28, 2022 · Amount on File |
| Deed Book / Page | 16208 / 441 |
| Prior Transfer Date | Sep 16, 2022 |
| Prior Transfer Doc | 0157210045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Mar 21, 2024 |
| Property Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Document Number | 0162080441 |
| Book / Page | 16208 / 441 |
| Map Reference | MB HDC 36 FO 55 |
| Instrument Date | Mar 7, 2024 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2024 |
| Title Company | MID ATLANTIC STLMT SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $762.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Document Number | 0162080448 |
|---|---|
| Date | Mar 21, 2024 |
| Instrument | 16208-0448 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 1-Year CMT |
| Max Rate | 10.8% |
| Document Number | 0162080475 |
|---|---|
| Date | Mar 21, 2024 |
| Book Page | 16208/475 |
| Name | ABERDEEN PROVING GROUND FCU |
|---|---|
| Type | Credit Union |
| Address | ABERDEEN, MD 21001 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 21, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0148940453 |
|---|---|
| Date | Jul 14, 2021 |
| Book Page | 14894/453 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 147 Months |
| Due | Oct 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0155280001 |
|---|---|
| Date | May 25, 2022 |
| Book Page | 15528/1 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Document Number | 0158800058 |
|---|---|
| Date | Apr 18, 2023 |
| Book Page | 15880/58 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Address | KENSINGTON, MD 20895 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0130070181 |
|---|---|
| Date | Oct 3, 2018 |
| Book Page | 13007/0181 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2033 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Oct 28, 2022 |
| Property Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Document Number | 0157210045 |
| Book / Page | 15721 / 45 |
| Map Reference | MB HDC 36 FO 55 |
| Instrument Date | Sep 16, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3003 EBBTIDE DR, EDGEWOOD, MD 21040-2901 |
| Document Number | 0157210052 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 15721-0052 |
| Name | EMORTGAGE FUNDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2037 |
The 2026 property tax bill for 3003 Ebbtide Dr was $2,541 with a homeowner's exemption, up 13.8% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,541.00 (+13.84%) Homeowner's exemption | $233,200 (+6.47%) Land $60,100 Building $173,100 | $233,200 (-) Land $60,100 Building $173,100 |
| 2025 | $2,232.00 Homeowner's exemption | $219,033 | $233,200 Land $60,100 Building $173,100 |
| 2023 | $190,700 Land $60,100 Building $130,600 | $190,700 Land $60,100 Building $130,600 | |
| 2022 | $2,019.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3003 Ebbtide Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 7 (1996–2013) |
| Most Recent Claim | May 2013 · rainfall accumulation |
| Claims by Event |
|
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 risk around 3003 Ebbtide 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
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