Harford County property record for 316 Cigar Loop, Havre De Grace, MD 21078
| Property Type | Townhouse |
|---|---|
| Details | 4 ba · 1,598 sqft · built 2006 |
| Lot Size | 0.092 acres (4,012 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $335,000 (Dec 2021) |
| Tax Bill | $3,438 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Dec 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-067174 |
| Primary APN | 06-067174 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,598 sqft Total Area |
| Basement Area | 1,195 sqft |
| Finished Basement | 1,195 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 4,012 sqft (0.092 acres) |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 168 sqft |
| Balcony Area | 485 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 067174 |
|---|---|
| Street Address | 316 CIGAR LOOP |
| City | HAVRE DE GRACE |
| State | MD |
| Zip | 21078-2348 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R2 |
| Legal Description | LOT 1909 4012 SF 316 CIGAR LOOP BULLE ROCK PT 118/46 |
| Legal Subdivision | PLAT FIVE A BULLE ROCK |
| Legal Lot Number | 1909 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 306400 |
316 Cigar Loop, a townhouse, is owned and occupied by two individuals who bought it in December 2021.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 316 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage EMM LOANS LLC |
| Dec 21, 2021 | Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Mar 19, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2021 · Amount on File |
| Deed Sale | Dec 21, 2021 · Amount on File |
| Prior Sale | Jun 20, 2006 · Amount on File |
| Deed Book / Page | 15265 / 284 |
| Prior Transfer Date | Mar 15, 2019 |
| Prior Transfer Doc | 0131920066 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 316 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | NOT AVAILABLE, KEY TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0147520251 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 14752/251 |
| Name | EMM LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHERRY HILL, NJ 08003 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 21, 2021 |
| Property Address | 316 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0152650284 |
| Book / Page | 15265 / 284 |
| Map Reference | MB JJR 118 FO 46 |
| Instrument Date | Oct 18, 2021 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | ADVANTAGE TITLE CO |
| Amount | Amount on Record |
|---|---|
| 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 | 316 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0015265289 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 15265/289 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2051 |
| Document Number | 0152650304 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 15265/304 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Mar 19, 2019 |
| Property Address | 316 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0131920066 |
| Book / Page | 013192 / 000066 |
| Instrument Date | Mar 15, 2019 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 316 CIGAR LOOP HAVRE DE GRACE MD 210782348, HAVRE DE GRACE, MD 21078-2348 |
The 2026 property tax bill for 316 Cigar Loop was $3,438, up 20.6% from the year before.
Source: Harford County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Municipality | Havre De Grace City |
| Unified School District | Harford County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,438.00 (+20.59%) | $360,700 (+9.34%) | $391,500 (-) Land $80,000 Building $311,500 |
| 2025 | $2,851.00 | $329,900 | $391,500 Land $80,000 Building $311,500 |
| 2023 | $288,500 | $299,100 Land $80,000 Building $219,100 | |
| 2022 | $2,649.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 Cigar Loop in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 | 3 in force |
| Nearby Flood Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2015 · other causes |
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 risk around 316 Cigar Loop is low, with a 0.01% annual chance of 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 | None beyond ember reach |
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 | CITY OF HAVRE DE GRACE serves 14,000 people · EPA ID MD0120012 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2016 |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2023 |
| Monitoring and Reporting | 16 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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| IQ Fiber Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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