Harford County property record for 318 Cigar Loop, Havre De Grace, MD 21078
| Property Type | Townhouse |
|---|---|
| Details | 4 ba · 1,734 sqft · built 2006 |
| Lot Size | 0.119 acres (5,192 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Aug 2020) |
| Tax Bill | $3,910 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-067182 |
| Primary APN | 06-067182 |
|---|---|
| Alternative APN |
|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,734 sqft Total Area |
| Basement Area | 800 sqft |
| Finished Basement | 800 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 | 5,192 sqft (0.119 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 288 sqft |
| Balcony Area | 526 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 067182 |
|---|---|
| Street Address | 318 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 1910 5192 SF 318 CIGAR LOOP BULLE ROCK PT 118/46 |
| Legal Subdivision | BULLE ROCK |
| Legal Lot Number | 1910 |
| Jurisdiction | HARFORD MD |
| Township / Civil Division | 6, HAVRE DE GRACE |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 306400 |
318 Cigar Loop, a townhouse, is owned and occupied by two individuals who bought it in August 2020.
Source: Harford County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 318 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 |
|---|---|
| Feb 28, 2022 | Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU |
| Aug 24, 2020 | Deed, Transfer · VA Mortgage SWBC MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2020 · Amount on File |
| Deed Sale | Aug 24, 2020 · Amount on File |
| Prior Sale | Oct 20, 2016 · Amount on File |
| Deed Book / Page | 14057 / 400 |
| Transfer Doc | 0032100715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 318 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2022 |
| Title Company | NOT AVAILABLE, FAMS |
| Name | Verified Name |
|---|
| Document Number | 0153840047 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 15384/47 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | MC LEAN, VA 22102 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Aug 24, 2020 |
| Property Address | 318 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0140570400 |
| Book / Page | 14057 / 400 |
| Map Reference | MB 118 FO 46 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| Title Company | LIBERTY TITLE SERVICES LLC |
| 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 | 318 CIGAR LOOP, HAVRE DE GRACE, MD 21078-2348 |
| Document Number | 0014057408 |
|---|---|
| Date | Aug 24, 2020 |
| Instrument | 14057/408 |
| Name | SWBC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2026 property tax bill for 318 Cigar Loop was $3,910 with a homeowner's exemption, up 17.9% 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 | $3,910.00 (+17.88%) Homeowner's exemption | $410,167 (+7.76%) | $439,700 (-) Land $85,000 Building $354,700 |
| 2025 | $3,317.00 Homeowner's exemption | $380,633 | $439,700 Land $85,000 Building $354,700 |
| 2023 | $334,167 | $351,100 Land $85,000 Building $266,100 | |
| 2022 | $3,008.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 318 Cigar Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 318 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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