3115 Ebbtide Dr, Edgewood, MD 21040 Property Records

Harford County property record for 3115 Ebbtide Dr, Edgewood, MD 21040

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,860 sqft · built 1994
Lot Size	0.272 acres (11,858 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Jan 2001)
Tax Bill	$2,712 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-078232`

Property Details

APN / Parcel Number

Primary APN	`01-078232`
Alternative APNs	`1078232` `078232`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,860 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	11,858 sqft (0.272 acres)
Lot Dimensions	196 ft deep x 84 ft wide
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	078232
Street Address	3115 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 8 37/84X196 AV 3115 EBBTIDE DRIVE HARBOUR OAKS S4 P 45/17
Legal Subdivision	HARBOUR OAKS
Legal Lot Number	8
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	3
Census Block	3002
Census Tract	301602

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	3115 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 12, 2001 · Amount on Record
Deed Sale	Jan 12, 2001 · Amount on Record
Prior Sale	Aug 25, 2000 · Amount on Record
Deed Document Number	20011518
Deed Book / Page	3415 / 74
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3115 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0153540472
Date	Feb 8, 2022
Book Page	15354/472

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3115 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 EBBTIDE DR, EDGEWOOD, MD 21040-2920

Mortgage

Document Number	0157190463
Date	Oct 27, 2022
Book Page	15719/463

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Sep 1, 2062

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		$286,000 (+24.19%) Land $60,700 Building $225,300	$286,000 (+24.19%) Land $60,700 Building $225,300
2025	$2,712.00 (+11.51%)
2023		$230,300 Land $60,700 Building $169,600	$230,300 Land $60,700 Building $169,600
2022	$2,432.00

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

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 USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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