Harford County property record for 3231 Charles St, Fallston, MD 21047 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2.5 Baths |
| Year Built | Built 2020 |
| Square Footage | 2,614 sqft Total Area |
| Lot Size | 130,680 sqft (3 acres) |
| Garage | Mixed, 440 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $215,000 (2019) |
| Tax Bill | $5,827.00 (2025) |
| Primary APN | 04-101979 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,614 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 130,680 sqft (3 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 440 sqft Garage |
| Deck Area | 292 sqft Deck |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Account Number | 101979 |
|---|---|
| Street Address | 3231 CHARLES ST |
| City | FALLSTON |
| State | MD |
| Zip | 21047-1018 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 7 3 ACRES 3231 CHARLES STREET LD WALKER PT 112/25 |
| Legal Lot Number | 7 |
| Jurisdiction | HARFORD MD |
| Minor Civil Division | 4, MARSHALL |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 304201 |
Source: Harford County records · APN 04-101979
Assessment roll updated August 12, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 3231 CHARLES ST, FALLSTON, MD 21047-1018 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 05, 2020 | Deed of Trust, Mortgage · Line of Credit NEXTMARK FCU |
| Oct 05, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NFM INC |
| Dec 09, 2019 | Deed, Construction Loan · Building or Construction Mortgage PROVIDENT STATE BANK INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 09, 2019 · Amount on Record |
| Deed Sale | Dec 09, 2019 · Amount on Record |
| Prior Sale | Mar 09, 2004 |
| Deed Book / Page | 13583 / 219 |
| Transfer Doc | 0052110187 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3231 CHARLES ST, FALLSTON, MD 21047-1018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0141540346 |
|---|---|
| Date | Oct 05, 2020 |
| Book Page | 14154/346 |
| Name | NEXTMARK FCU |
|---|---|
| Type | Credit Union |
| Address | FAIRFAX, VA 22030 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARFORD MD |
| Property Address | 3231 CHARLES ST, FALLSTON, MD 21047-1018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0141540329 |
|---|---|
| Date | Oct 05, 2020 |
| Book Page | 14154/329 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARFORD MD |
| Recording Date | Dec 09, 2019 |
| Property Address | 3231 CHARLES ST, FALLSTON, MD 21047-1018 |
| Document Number | 0135830219 |
| Book / Page | 13583 / 0219 |
| Map Reference | MB 112 FO 25 |
| Instrument Date | Nov 12, 2019 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 11, 2022 |
| Title Company | FRONT DOOR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 1719 LAUREL BROOK RD, FALLSTON, MD 21047-2128 |
| Document Number | 0013583223 |
|---|---|
| Date | Dec 09, 2019 |
| Instrument | 13583/223 |
| Name | PROVIDENT STATE BANK INC |
|---|---|
| Type | Bank |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Nov 12, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Nov 12, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
Source: Harford County records · Assessment roll updated August 12, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Harford County |
| Unified School District | Harford County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $589,867 (+5.42%) | $620,200 (-) Land $145,000 Building $475,200 | |
| 2025 | $5,827.00 (+8.17%) Homeowner's exemption | $559,533 (+9.93%) | $620,200 (+17.2%) Land $145,000 Building $475,200 |
| 2023 | $509,000 | $529,200 Land $145,000 Building $384,200 | |
| 2022 | $5,387.00 |
Source: FEMA National Flood Hazard Layer, Harford County (24025C), updated October 15, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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