3105 Ebbtide Dr, Edgewood, MD 21040 Property Records

Harford County property record for 3105 Ebbtide Dr, Edgewood, MD 21040

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,568 sqft · built 1994
Lot Size	0.12 acres (5,220 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Aug 2020)
Tax Bill	$2,674 (2026)
Deeds & Mortgages	May 2021 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-078186`

Property Details

APN / Parcel Number

Primary APN	`01-078186`
Alternative APNs	`1078186` `078186`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,568 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Level
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,220 sqft (0.12 acres)
Lot Dimensions	116 ft deep x 45 ft wide
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	078186
Street Address	3105 EBBTIDE DR
City	EDGEWOOD
State	MD
Zip	21040-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 3 45X116 AV 3105 EBBTIDE DRIVE HARBOUR OAKS S4 P 45/17
Legal Subdivision	HARBOUR OAKS SEC 04 09
Legal Lot Number	3
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3002
Census Tract	301602

Owner

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	Individual Name on Record
Mailing Address	3105 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Aug 10, 2020	Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC
Jan 22, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2020 · Amount on Record
Deed Sale	Aug 10, 2020 · Amount on Record
Prior Sale	Sep 30, 2003 · Amount on Record
Deed Book / Page	14029 / 251
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3105 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0147690336
Date	May 21, 2021
Book Page	14769/336

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2051

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 10, 2020
Property Address	3105 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Document Number	0140290251
Book / Page	14029 / 251
Map Reference	MB 45 FO 17
Instrument Date	Jun 26, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022
Title Company	KEY TITLE INC

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3105 EBBTIDE DR, EDGEWOOD, MD 21040-2920

Mortgage

Document Number	0014029258
Date	Aug 10, 2020
Instrument	14029/258

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3105 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Document Number	0131510261
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 20, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3105 EBBTIDE DR EDGEWOOD MD 210402920, EDGEWOOD, MD 21040-2920

Mortgage

Document Number	0131510261
Date	Feb 8, 2019
Book Page	013151/000261

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 7, 2034

Tax Assessment & Valuation

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	$2,674.00 (+14.22%)	$245,400 (+22.95%) Land $60,100 Building $185,300	$245,400 (+22.95%) Land $60,100 Building $185,300
2025	$2,341.00 (+11.26%)
2023		$199,600 Land $60,100 Building $139,500	$199,600 Land $60,100 Building $139,500
2022	$2,104.00

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
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	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

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
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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