3102 Timber Ridge Cir, White Hall, MD 21161 Property Records

Harford County property record for 3102 Timber Ridge Cir, White Hall, MD 21161

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,332 sqft · built 2006
Lot Size	4.5 acres (196,020 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Dec 2014)
Tax Bill	$5,233 (2025)
Deeds & Mortgages	Dec 2017 Reverse Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-102622`

Property Details

APN / Parcel Number

Primary APN	`04-102622`
Alternative APN	`102622`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,332 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	196,020 sqft (4.5 acres)
Garage Type	Mixed
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	307 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	102622
Street Address	3102 TIMBER RIDGE CIR
City	WHITE HALL
State	MD
Zip	21161-8982
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 2 4.50 AC 3102 TIMBER RIDGE CIRCLE TIMBER RIDGE PT 115/8
Legal Subdivision	TIMBER RIDGE
Legal Lot Number	2
Jurisdiction	HARFORD MD
Township / Civil Division	4, MARSHALL
Census Block Group	2
Census Block	2003
Census Tract	304102

Owner

Source: Harford County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3102 TIMBER RIDGE CIR, WHITE HALL, MD 21161-8982
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2017	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Nov 30, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2014 · Amount on Record
Deed Sale	Dec 5, 2014 · Amount on Record
Prior Sale	Dec 14, 2005 · Amount on Record
Deed Book / Page	11016 / 215
Prior Transfer Date	Nov 21, 2005
Prior Transfer Doc	0065910025
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3102 TIMBER RIDGE CIR, WHITE HALL, MD 21161-8982
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0126390173
Date	Dec 14, 2017
Book Page	12639/0173
Instrument	12639-0173

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	887 Months
Due	Nov 15, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.68%
Type Change Date	Dec 1, 2018
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3102 TIMBER RIDGE CIR, WHITE HALL, MD 21161-8982
Document Number	0126390192
Instrument Date	Nov 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	EQUITY SETTLEMENT SERVICES, EQUITY SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3102 TIMBER RIDGE CIR WHITE HALL MD 211618982, WHITE HALL, MD 21161-8982

Mortgage

Document Number	0126390192
Date	Dec 14, 2017
Book Page	012639/000192

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	888 Months
Due	Dec 13, 2091

Interest

Rate Type	Adjustable Rate
Rate	4.68%

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 12, 2025

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		$531,633 (+5.66%)	$560,100 (-) Land $152,500 Building $407,600
2025	$5,233.00 (+343.85%)	$503,167 (+8.55%)	$560,100 (+17.99%) Land $152,500 Building $407,600
2023		$463,533	$474,700 Land $146,200 Building $328,500
2022	$1,179.00

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 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1979)
Most Recent Claim	Sep 1979 · tidal / storm surge

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

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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