Harford County property record for 3082 Ebbtide Dr, Edgewood, MD 21040
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,218 sqft · built 2002 |
| Lot Size | 0.119 acres (5,175 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $205,000 (May 2018) |
| Tax Bill | $2,962 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-078631 |
| Primary APN | 01-078631 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,218 sqft Total Area |
| Basement Area | 365 sqft |
| Finished Basement | 365 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Split Foyer |
| 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 | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 078631 |
|---|---|
| Street Address | 3082 EBBTIDE DR |
| City | EDGEWOOD |
| State | MD |
| Zip | 21040-2902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 363 5175 SF 3082 EBBTIDE DRIVE HARBOUR OAKS S4 P 45/17 |
| Legal Subdivision | HARBOUR OAKS |
| Legal Lot Number | 363 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 301602 |
Source: Harford County records, as of August 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3082 EBBTIDE DR, EDGEWOOD, MD 21040-2902 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 11, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| May 14, 2018 | Deed, Transfer · FHA Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 14, 2018 · Amount on Record |
| Deed Sale | May 14, 2018 · Amount on Record |
| Prior Sale | Oct 22, 2009 · Amount on Record |
| Deed Book / Page | 12817 / 130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Jun 11, 2026 |
| Property Address | 3082 EBBTIDE DR, EDGEWOOD, MD 21040-2902 |
| Document Number | 1716000484 |
| Book / Page | 17162 / 484 |
| Instrument Date | Apr 24, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 3082 EBBTIDE DR, EDGEWOOD, MD 21040-2902 |
| Document Number | 1716000484, |
|---|---|
| Date | Jun 11, 2026 |
| Book Page | 17162/484 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 264 Months |
| Due | Jun 1, 2048 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | May 14, 2018 |
| Property Address | 3082 EBBTIDE DR, EDGEWOOD, MD 21040-2902 |
| Document Number | 0128170130 |
| Book / Page | 12817 / 0130 |
| Map Reference | MB45 FO17 |
| Instrument Date | May 3, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | KEY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,262.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3082 EBBTIDE DR, EDGEWOOD, MD 21040-2902 |
| Document Number | 0012817137 |
|---|---|
| Date | May 14, 2018 |
| Instrument | 12817/137 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
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 | $2,962.00 (+14.81%) | $271,800 (+6.88%) Land $60,100 Building $211,700 | $271,800 (-) Land $60,100 Building $211,700 |
| 2025 | $2,580.00 (+14.51%) | $254,300 (+15.96%) | $271,800 (+23.94%) Land $60,100 Building $211,700 |
| 2023 | $219,300 Land $60,100 Building $159,200 | $219,300 Land $60,100 Building $159,200 | |
| 2022 | $2,253.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record 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.
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 | Indirect within ember reach |
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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