Harford County property record for 3123 Ebbtide Dr, Edgewood, MD 21040
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 912 sqft · built 1991 |
| Lot Size | 0.136 acres (5,937 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Dec 2020) |
| Tax Bill | $2,637 (2026) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-078275 |
| Primary APN | 01-078275 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 912 sqft Total Area |
| Basement Area | 680 sqft |
| Finished Basement | 680 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Split Foyer |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,937 sqft (0.136 acres) |
| Lot Dimensions | 125 ft deep x 58 ft wide |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 078275 |
|---|---|
| Street Address | 3123 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 12 37/58X125 AV 3123 EBBTIDE DRIVE HARBOUR OAKS PT 45/17 |
| Legal Subdivision | HARBOUR OAKS SEC 04 09 |
| Legal Lot Number | 12 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 1, ABINGDON |
| Census Block Group | 3 |
| Census Block | 3002 |
| 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 | 3123 EBBTIDE DR, EDGEWOOD, MD 21040-2920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2020 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 21, 2017 | Deed of Trust, Mortgage · FHA Mortgage FELLOWSHIP HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2020 · Amount on Record |
| Deed Sale | Dec 28, 2020 · Amount on Record |
| Prior Sale | Feb 2, 2015 · Amount on Record |
| Deed Book / Page | 14356 / 497 |
| Prior Transfer Date | Sep 26, 2007 |
| Prior Transfer Doc | 0075640689 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 28, 2020 |
| Property Address | 3123 EBBTIDE DR, EDGEWOOD, MD 21040-2920 |
| Document Number | 0143560497 |
| Book / Page | 14356 / 497 |
| Map Reference | MB HOC NO 45 FQ 17 |
| Instrument Date | Dec 4, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2022 |
| Title Company | MID ATLANTIC SETTEMENT SVCS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3123 EBBTIDE DR, EDGEWOOD, MD 21040-2920 |
| Document Number | 0014356503 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 14356/503 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3123 EBBTIDE DR, EDGEWOOD, MD 21040-2920 |
| Document Number | 0125740410 |
| Book / Page | 012574 / 000410 |
| Instrument Date | Oct 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2017 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3123 EBBTIDE DR EDGEWOOD MD 210402920, EDGEWOOD, MD 21040-2920 |
| Document Number | 0125740410 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 012574/000410 |
| Name | FELLOWSHIP HM LOANS |
|---|---|
| Address | JERICHO, NY 11753 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 29, 2047 |
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 | $2,637.00 (+18.62%) | $242,000 (+8.52%) Land $60,100 Building $181,900 | $242,000 (-) Land $60,100 Building $181,900 |
| 2025 | $2,223.00 (+14.29%) | $223,000 (+20.54%) | $242,000 (+30.81%) Land $60,100 Building $181,900 |
| 2023 | $185,000 Land $60,100 Building $124,900 | $185,000 Land $60,100 Building $124,900 | |
| 2022 | $1,945.00 |
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 | 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 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 |
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