3131 Copenhaver Rd, Street, MD 21154 Property Records

Harford County property record for 3131 Copenhaver Rd, Street, MD 21154

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 6,397 sqft · built 1996
Lot Size	3.62 acres (157,687 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Jan 2017)
Tax Bill	$10,260 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-054192`

Property Details

APN / Parcel Number

Primary APN	`05-054192`
Alternative APNs	`5054192` `054192`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	6,397 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	157,687 sqft (3.62 acres)
Garage Type	Built-in
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	56 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	054192
Street Address	3131 COPENHAVER RD
City	STREET
State	MD
Zip	21154-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 1 3.62 AC 3131 COPENHAVER ROAD DEER CRK OVERLOOK 118/37
Legal Subdivision	DEER CREEK OVERLOOK 76 48
Legal Lot Number	1
Jurisdiction	HARFORD MD
Township / Civil Division	5, DUBLIN
Census Block Group	4
Census Block	4020
Census Tract	305100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lower Deer Creek Valley Historic District listed 1993 · 275 contributing resources · NRIS 93001143

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on File
Mailing Address	3131 COPENHAVER RD, STREET, MD 21154-1644
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC
Nov 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage US MORTGAGE CORP
Jan 26, 2017	Special Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 26, 2017 · Amount on Record
Deed Sale	Jan 26, 2017 · Amount on Record
Prior Sale	Jan 29, 2014 · Amount on Record
Deed Document Number	201712201-0082
Deed Book / Page	12201 / 82
Transfer Doc	0029540200
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3131 COPENHAVER RD, STREET, MD 21154-1644
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	REAL ESTATE TITLE AND ESCROW, REAL ESTATE STLMT & ESCROW L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0145030047
Date	Feb 19, 2021
Book Page	14503/47

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARFORD MD
Property Address	3131 COPENHAVER RD, STREET, MD 21154-1644
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0130690227
Date	Nov 28, 2018
Book Page	13069/0227

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

January 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	HARFORD MD
Recording Date	Jan 26, 2017
Property Address	3131 COPENHAVER RD, STREET, MD 21154-1644
Document Number	0122010082
Book / Page	12201 / 0082
Instrument Date	Dec 5, 2016
Instrument	12201-0082
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	RESIDENTIAL TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3131 CODEN HAVEN RD, STREET, MD 21154

Mortgage

Document Number	122010089
Date	Jan 26, 2017
Instrument	12201-0089

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

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		$1,100,167 (+8.07%)	$1,182,300 (-) Land $128,100 Building $1,054,200
2025	$10,260.00 (+7.85%) Homeowner's exemption	$1,018,033 (+12.91%)	$1,182,300 (+26.33%) Land $128,100 Building $1,054,200
2023		$901,633	$935,900 Land $128,100 Building $807,800
2022	$9,513.00

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	1 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Sep 1987 · river or lake flooding

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

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Holdings Cable	1,000 / 20
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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