3127 Ebbtide Dr, Edgewood, MD 21040 Property Records

Harford County property record for 3127 Ebbtide Dr, Edgewood, MD 21040

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,364 sqft · built 1991
Lot Size	0.119 acres (5,175 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,000 (Oct 2018)
Tax Bill	$2,625 (2026)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-078291`

Property Details

APN / Parcel Number

Primary APN	`01-078291`
Alternative APNs	`1078291` `078291`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,364 sqft Total Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,175 sqft (0.119 acres)
Lot Dimensions	115 ft deep x 45 ft wide
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	078291
Street Address	3127 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 14 5175 SF 3127 EBBTIDE DRIVE HARBOUR OAKS PT 45/17
Legal Subdivision	PLAT NINE HARBOUR OAKS
Legal Lot Number	14
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3127 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	Oct 22, 2010 · Amount on Record
Deed Book / Page	13032 / 428
Record Updated	Oct 29, 2026

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Oct 24, 2018
Property Address	3127 EBBTIDE DR, EDGEWOOD, MD 21040-2920
Document Number	0130320428
Book / Page	13032 / 0428
Map Reference	MB HDC45 FO17
Instrument Date	Aug 31, 2018
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	DEFINITIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3127 EBBLIDE DR, EDGEWOOD, MD 21040-2920

Mortgage

Document Number	0130320434
Date	Oct 24, 2018
Book Page	13032/0434

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2048

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	$2,625.00 (+14.13%)	$240,900 (+22.85%) Land $60,100 Building $180,800	$240,900 (+22.85%) Land $60,100 Building $180,800
2025	$2,300.00 (+12.2%)
2023		$196,100 Land $60,100 Building $136,000	$196,100 Land $60,100 Building $136,000
2022	$2,050.00

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	Direct burnable vegetation

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